Campus life is full of vigor and vitality, and we will gain a lot from learning knowledge at school. At this time, we might as well prepare to write a specific and detailed experience. Writing experience can help us find problems and sum up experience. What should I pay attention to when writing learning knowledge? The following is a collection of "Experiences in Refusing Campus Loans". Welcome to share it with friends around you!
The experience of refusing campus loans (1) College students are a special disadvantaged consumer group, with a large number and concentration. College students' group consumption concept is advanced, and their consumption expenditure is varied and endless. They are a group with only consumption and no income, with weak awareness of financial risk prevention, poor self-control ability and lack of credit evaluation.
With the spread of online loan platforms for college students in colleges and universities all over the country, various platforms trick college students into overdraft credit and blind consumption with false slogans such as "borrowing money is not afraid of pits, repayment is not worrying" and "zero threshold, no mortgage". In order to earn the interest difference, some students put their tuition fees or borrowed a lot of cash into the peer-to-peer lending platform. Some students even act as propagandists, misleading more students into peer-to-peer lending and overdraft consumption. As a result, several students were forced to drop out of school to hide their debts because of the sudden closure of the website or huge debts, and their families had to sell their houses.
Serious consequences of college students' online loan repayment.
1. Educate students to improve their safety awareness, establish a rational consumption concept, consciously stay away from peer-to-peer lending and avoid blind consumption risks.
2. Remind students to attach great importance to the confidentiality of personal identity information, and beware of identity information being used by criminals and peer-to-peer lending without knowing it.
3. In order to fully grasp the students' participation in peer-to-peer lending, all students who borrow or "invest" on the peer-to-peer lending platform should take the initiative to report to the college and must stop this behavior immediately to prevent risks and ensure safety.
College students have gradually become the focus of social discussion because they are troubled by campus online loan debt. Campus online loan is also like an invisible "black hand", which brings harm to many college students and even leads to tragedy. Campus online loans are aimed at college students with strong consumer demand. Some "black-hearted" enterprises fictionally set up censorship, connived at illegal means, and rushed to the campus to earn profits, but left innocent students in debt. Campus online loan is not honey, it is really arsenic, and it is right to stay away from it.
The above are my feelings and experiences about college students' online loans. At the same time, I also suggest that college students seriously study the knowledge of finance and network security, and call on the majority of college students to "not engage in, assist or encourage" unhealthy peer-to-peer lending activities, so that the concept of rational consumption can be deeply rooted in the hearts of the people.
The experience of refusing campus loans (Chapter II) Campus violence is a new concept put forward in the field of education in recent years, which mainly refers to the physical and mental behavior of students who occur on campus and are targeted by teachers, classmates or outsiders. In recent years, there have been numerous incidents of campus violence in news broadcast.
Campus violence, campus violence, what is it?
There are three reasons for school violence: 1. Family 2. School 3. Society. Family: parents' death, disability, parents' divorce, parents' quality and parents' education. School: school education, school management, neglect of morality, teacher attitude. Society: violent movies, violent books and periodicals ...
As far as I know, campus violence can be divided into three forms:
First, language violence. It mainly includes insulting nicknames, spreading rumors and slandering. This violates the students' spirit to a certain extent. Second, power violence. It mainly includes campus killing, physical injury, and a series of behaviors that treat students' body and mind to a certain extent. Violence is the most common campus violence. Third, mental violence. It mainly includes a series of behaviors that seriously infringe on students' spirit, such as isolation and humiliation. Mental violence is often overlooked, but its harm is very great. Psychological violence may be everywhere, and any student or teacher may become a victim. From this perspective, campus violence is indeed very harmful.
According to the situation of campus violence, I listed three prevention methods of campus violence: 1. Raise awareness of self-protection. 2. Improve social skills. 3. Develop the habit of caution.
The experience of refusing campus loans (3) In recent years, criminals have frequently committed telecom fraud by using mobile phones, telephones and the Internet. Due to low investment, high return, strong concealment, difficulty in obtaining evidence and poor students' awareness of prevention, the incidence rate of such crimes remains high every year and it is difficult to detect, which seriously endangers social order and school management safety.
In order to effectively curb the high incidence of telecom fraud crimes, effectively improve the ability of teachers and students to identify and respond to telecom fraud crimes, do a good job of prevention, effectively safeguard the interests of teachers and students, and ensure the safety of teachers and students' property, with the joint support of the Student Affairs Office, the Security Office and the Haikou Police Station, our department organized teachers and students to study during the evening of March 4-7, 20 19. I watched the Kunming Telecom Fraud Prevention Propaganda Film of Minghui Building in batches. From the perspective of case reappearance and police professional analysis, I gave a vivid publicity and education lesson on "Prevention of Telecom Fraud" to teachers and students in our department, and asked all classes to take this opportunity to carry out a class meeting with the theme of "Prevention of Telecom Fraud and Network Security" to further publicize warnings and consolidate their awareness of prevention. Combined with the management of students in our department, the publicity and education activities are summarized as follows:
First, set up a working group in time.
According to the document "Student No.20 193", the leaders of our department attached great importance to it, held a special meeting as soon as possible, and set up a working group on "Prevention of Telecommunication Fraud Publicity and Education" in the Humanities Department, with Mr. Yuan Linzhi, Deputy Secretary of the General Party Branch, as the team leader and counselors in each class as the team members. The implementation of the work arrangement aims to 100% cover the teachers and students of our department and comprehensively strengthen the anti-fraud awareness.
Second, orderly organization and multi-channel publicity.
Under the leadership of the team leader and the arrangement of the working group, the teachers and students of our department actively participated in this publicity and education activity, which was the responsibility of the student union of our department. From March 4 th to March 7 th, the evening self-study was played in two phases in turn every day, * * * played 8 times, covering 25 classes in grades 20 17 and 20 18, with more than 65,438 teachers and students.
Third, the effect of the activity.
Through this publicity and education activity, teachers and students learned about the ways and dangers of various telecom fraud, improved their ability to identify and respond to telecom fraud, enhanced their awareness of preventing telecom fraud, enabled students to identify telecom fraud in their future lives, reduced the probability of telecom fraud cases happening to themselves, effectively strengthened the public security organs' ability to coordinate with the police and the people in combating telecom fraud publicity activities, and played a good educational effect.
The experience of refusing campus loans (IV) The experience of educating students to prevent telecom fraud and campus loan risks Recently, a series of tragedies caused by "campus online loans" have been staged repeatedly: a college student in Zhengzhou chose to commit suicide by jumping off a building because he was deeply mired in online loans; At the same time, the online lending platform that provides small loans for female college students with "nude photos" (nude photos taken with ID cards) as collateral has quietly emerged, and the weekly interest on loans is as high as 30%. When female college students can't afford the huge interest, these online lending platforms threaten to publish nude photos of debtors online or send them to her family and friends. ...
So, what is the current situation of college students' online loans? Do college students have the ability of credit consumption? Why on earth are they being held hostage by P2P lending? The Taylor class of Tianjin University 1 1 conducted practical research on the social hot issue of unity and integration, and conducted online and offline research. * * * Collected more than 800 valid samples, covering many provinces and regions in China, and recently released a survey report on college students' online credit consumption to the society. According to the report, 29.03% of college students applied for loans, and over 60% borrowed through online platforms.
The repayment ability of college students is overestimated.
With the continuous improvement of residents' consumption level, consumption concepts have gradually changed, and consumption patterns such as credit consumption and advanced consumption have gradually been recognized by the public. The continuous emergence of consumption hotspots such as intelligent electronic equipment, tourism shopping and cultural consumption makes curious college students more willing to try new things and make advanced consumption. However, at present, the purchasing power of college students is low, and there is a big gap between the "ideal" of spending money and the "reality" of lack of money. 68.26% of college students' monthly living expenses are lower than 1500 yuan, and only 12.05% of the students surveyed have a monthly living expenses of more than 2,000 yuan.
After understanding the expected monthly credit line of college students, it is found that 32.94% of college students expect the monthly loan amount to exceed 1 000 yuan, but more than 82. 1.8% of students can accept the monthly repayment amount to be less than 1 000 yuan. As a result, many students overestimate their repayment ability, which leads to an increasingly embarrassing situation of robbing Peter to pay Paul to borrow new loans and repay old loans.
"Emergency" and purchasing electronic products are the main reasons.
When asked about the reasons for choosing "online credit", more than half of the respondents listed "urgency, need of money" and "low disposable living expenses" as the main reasons, and nearly half of the respondents chose to borrow money to buy large-scale goods, which shows that college students have high consumer demand.
When asked about the specific purpose of the loan, more than half of the college students chose to "buy mobile phones and computers", which is the main consumption direction. In addition, the proportion of purchasing cosmetics and clothing reached 26.99%. Considering the gender factor, the cross analysis of the data shows that female college students are the main consumers of "cosmetics and clothing".
Nearly 80% of college students lack understanding of the consequences of overdue repayment.
Regarding the understanding of the consequences of overdue repayment, 27.5% of the respondents said they didn't know, half said they knew a little, and only 22% said they knew it very well.
It is precisely because of the lack of understanding of the consequences of overdue online loans that many college students ignore risks and impulse consumption. Shi Liangxing, dean of Xuanhuai College of Tianjin University, said in an interview: "At present, some internet credit platforms provide students with high-quota and high-interest loans, and also set up some hidden' consumption traps' such as handling fees and service fees, so that students can take great risks in online loans."
Due to the low credit rating and weak repayment ability of college students, the credit card loan amount of banks to college students is mostly controlled at the level of 100 yuan, and the examination procedures are complicated, which is difficult to meet the needs of college students.
According to the survey, about 83% of college students had a short-term shortage of funds, and 6 1% of college students tended to spend by stages to solve the urgent need. Because college students mainly play the role of consumers in the market, once faced with a sudden shortage of funds, "campus online loan" as a high-cost, fast and convenient financing channel has become their first choice.
The experience of refusing campus loans (chapter 5) 1, the perpetrators do whatever they want, and their boldness is getting worse. Virtually, in a beautiful, harmonious and safe campus, students form strong and weak groups of violence and parents report or appeal loudly. We should bravely expose all kinds of illegal activities on campus, such as violent activities carried out by senior students and young people outside school, and collect "protection fees". Silent summary and analysis lead to frequent campus violence, which subjectively follows the trend of school commercialization, attaches importance to income and achievements, and downplays the comprehensive quality education for teenagers, followed by schools and students next to classmates' birthday parties. Therefore, we silently call on the whole society to take active action, participate in the action against campus violence, and refuse social indifference. Will there be no similar incidents around us?
2, caused an uproar, will certainly arouse the vigilance of parents and teachers, as well as the reflection of educational researchers. However, it seems that things are not as perfect and simple as imagined. On the contrary, this kind of violence hangs over the campus that cultivates talents and acts as a model. There have been many reports about "school violence" recently. The means are extremely fierce, the behavior is extremely bad, and the picture is shocking. Most of them are underage children, which makes people feel that the darkness of society seems to have not been improved because of these "princes" and "princesses" with good environment. What causes this awareness of preventing campus violence and enhances the ability to resist campus violence? Grasp the truth.
3. The violent destruction of teachers' factional addiction has seriously affected students' normal life and study, seriously threatened students' physical and mental health, and weakened the educational achievements of schools. Parents, teachers, society and schools should attach great importance to it. Maybe the campus around you and me is still stable. No one can guarantee that this unhealthy trend will affect our society ruled by law and the scholarly campus that educates children. When it is still brutally destroyed, it will be the pain of this family forever. The indifference of passers-by from the scene of violence is even more chilling. Teenagers are the future of the motherland and the hope of the nation. Safeguard the legitimate rights and interests of young people and ensure their healthy growth.
4. How many flowers of our motherland should we lose to regret what should not happen? More and more tragedies are happening around us, and it seems that they will not stop because of small news reports. What kind of environment makes innocent and kind children so rampant? A disgruntled country that claims to have "excellent traditional virtues in 2000" can't stop this bad behavior. It seems that his parents' achievements can only be shared: Yuan Rongcheng is in countries all over the world, school bullying incidents happen every day, and cases of student violence on campus occur from time to time.
Students who have violent behavior will be disqualified from the college entrance examination forever, depending on the seriousness of the case. (End of the full text) This kind of violence was controlled in the bud and completely solved. In addition to more comprehensive improvement of various educational measures and reward and punishment clauses, this work must also receive positive responses and enthusiastic cooperation from our parents, teachers, social organizations and departments from all walks of life. Bearing in mind the importance of nip in the bud, we should lead by example, guide them healthily and improve the preventive ability of children and teenagers around us. Will be eliminated by society in the future. There is also a more important detail investment, which is our parents. If there are children living on campus, be sure to call them often, actively communicate with them and always pay attention to their situation.
6, the plot, pay attention to nip in the bud. First of all, I hope that the education department will strive to improve the teaching quality of the education front and clarify the importance of teachers' responsibilities. It is the responsibility of society and ours for teachers to irrigate at all times. However, due to the influence of bad social atmosphere, campus violence has appeared in different degrees all over the country from primary schools to middle schools and even universities, and it has a spreading trend, and even malignant cases such as death are increasing day by day. The bumps and bumps between normal classmates, small contradictions and small frictions are confused with bullying and gangs. Since the beginning of this year, videos and pictures about campus violence have frequently appeared on the Internet. This kind of violence is shocking.
7. Outlook on life. Strengthen the study of scientific and cultural knowledge, cultivate good hobbies, temper will, cultivate sentiment, and aspire to be useful young people in the new period and work together. Meanwhile; Call on the National People's Congress to consider whether to amend laws and regulations, and whether to tell parents and teachers as soon as possible after the premeditated, organized and planned school violence. Children are also warned to stay away from participating in school violence. Our people's teachers also improve their insight in their daily work, always pay attention to the changes of their students, and take the initiative to communicate with students when they find something wrong. Encourage students to bravely stand up and say no to campus violence and actively expose it. How to advocate caring for teenagers' health?
8. Change your mood, judge whether you have been attacked by school violence, go to school to observe if necessary, and tell your children to set out bravely in the face of violence, and have the responsibility to pour our love into the healthy growth of the next generation, and face the threat of school violence at any time at this critical stage of the most important turning point in the lives of today's teenagers. We are even more obligated to maintain campus safety, so that young people can have a healthy, happy and positive attitude, receive education with peace of mind and enrich their cultural knowledge. Call for national mobilization, the possibility of violence. When the weak are threatened, intimidated and abused, they are afraid of being retaliated one after another, and finally choose to swallow their words and dare not tell their teachers and parents about their experiences. Made this.
9, pull OK, dance halls, video game halls, Internet cafes and other places influence and gather into gangs, cutting off the comprehensive influence of being lured by unhealthy young people outside the school. Objective factors do not rule out that after watching and contacting some violent movies, horror games and social black forces, they blindly worship, form a party for selfish ends and form gangs, which will lead to the evolution of their students' correct ideas and values, understand the situation clearly and abide by the law. Correctly strengthen students' all-round development in morality, intelligence and physical education. At the same time, teenagers must establish correct moral concepts and the concept of the rule of law, enhance legal awareness, develop good qualities from an early age, and learn to protect themselves with legal weapons. Dare to refuse school violence. When you are attacked by campus violence, be brave to ask the school.
10, violence hurts the conscience, and the students who suffer from it are heartbroken when they see me, and they will be furious when they see me again. Whose child is not a treasure? I don't know whether parents see their children working together in Langlang. It seems a little expensive to say that the development of the motherland will inevitably sacrifice many selfless devotees and the development of education will be at the expense of mutual destruction among children. The problem of campus violence leads to a problem that life is full of choices. Choice, the solemn promise of life. Life is a choice, and choice is like a rushing river, which is futile, has no inheritance and no ability to carry forward. A little sad! It stands to reason that when the first school violence happened, it was inevitable.
1 1, benign development. Instill and guide young people around them to enhance their awareness of friendship and mutual assistance. Improve their own good quality, help their classmates enthusiastically, enhance their courage to deal with difficulties and eliminate evil, and form a joint force to resist campus violence. It is shameful to warn our children that this kind of violence destroys classmates, and it is also a vicious difference in crime. In the end, it will have a great social impact, lead to the fear of disadvantaged students, and lead to the mental disorder or death of abused students due to the destruction of physical and mental health and the shadow of the soul. Oppose school violence and reject social indifference. We all have children and my children will have children, so we should enter bars and card bars with a high sense of social responsibility.
12, a fertile soil, a ship that holds up a blue sky can forge ahead with its outlook on life, world outlook and values, and achieve a bright city; Sailing against the current, you can only struggle, you can't move forward, and even be overturned by fierce waves or eddies, and you will always hide in the bottom of the sea. Choice is the continuous improvement of life. Conscientiously make every choice to make our youth bloom more brilliantly. Preventing campus violence is full of ideological pressure of Jianghu violence and buddy loyalty, which makes more students have lingering fears and makes quiet and harmonious universities worse and worse! Why didn't people learn from it? Why should this trend continue? I would like to ask: how many cases will happen before everyone can pay attention.