In recent years, online lending has become the new favorite of university campuses. Although the loan amount is not high, it can bring temporary convenience to college students who are temporarily short of funds. But once the industry rules are broken, they will be thrown at college students like bait and hook, so that they can't get away.
Reports about campus loan chaos are not uncommon, from inability to repay loans to selling nude photos to committing suicide by jumping off a building, which has aroused strong concern from the outside world.
1, there is no such thing as a free lunch.
A few days ago, some media reported another news about peer-to-peer lending. Only 40,000 college students borrowed 1.4 million yuan, and the daily interest after overdue was higher, reaching 30%.
After investigation, I know that things are probably like this:
In September last year, Zhou Xiao, a freshman in a university in Hunan, borrowed a sum of money from a lending platform with his college admission notice as collateral because he needed money badly. Since then, the repayment date is approaching, and Zhou Xiao is robbing Peter to pay Paul with the "enthusiastic help" of the loan platform. In just one month, I have borrowed from dozens of lending platforms, with a total amount of more than 100,000. In fact, among the two largest IOUs, the loan amount written by Zhou Xiao is 65,438+10,000, 40,000, but only about 40,000 is available.
Since then, Zhou Xiao has successively repaid more than 60,000 loans, but the dunning phone keeps coming to you. Zhou Xiao's classmates, teachers and parents are constantly receiving harassing phone calls for dunning.
In the end, Zhou Xiao had no choice but to drop out of school and stop the beautiful university life that had ended before it started.
My parents taught us from an early age that "there is no such thing as a free lunch", "there is no pie in the sky" and "we can have plenty of food and clothing", but some people just don't take it to heart, thinking about how to take shortcuts, and think that things that can be reached by hand don't need to be used in vain. Therefore, the cost of getting something for nothing is often greater.
Candidates who are just preparing to enter the university have a wonderful life, and the years are so quiet. However, Zhou Xiao ruined his college career because of a carelessness.
It turns out that a free lunch is the most expensive. The first class after the college entrance examination is so profound!
2. Expose the chaos of peer-to-peer lending.
"Campus online lending is a pit. 10, borrowed 6 from the back, and not many landed. " -this is the confession of a classmate who is deeply involved in campus loans.
When the dunning phone rings again and again, the original beautiful campus life loses its due tranquility.
Campus loan is a loan platform that serves college students' study and entrepreneurship. However, due to the lack of control, campus loans have grown wildly in the gray space of law and become a tool for many criminals to trade. Nominally, the campus loan interest rate is low and the loan procedures are simple, which seems to be insurance, but the facts are unimaginable.
Case 1: 2065438+February 2006, 65438+2006, some students of Nanjing Agricultural University reported that Bian Mou, a senior student of this school, asked some students to help him with online credit loans in his own name, but because he failed to fulfill his promise, the students who helped him with the loans were urged to pay the principal and interest by the loan platform. It is reported that there are 57 Nannong students suspected of loan fraud, with a total amount of nearly 6.5438+0.5 million yuan.
Case 2: Rola Chen, a junior in Qingdao, came into contact with campus loans a year ago. The "cheapness and convenience" brought by installment payment and the fun of shopping made her like this lending model. Within half a year, Xiao Chen borrowed money and spent money on the campus loan platform 15, and bought various apple electronic products, brand-name bags, cosmetics and Nikon cameras. Each time, the amount is not large,1000,5000, but soon, she found that she had inadvertently accumulated about 654.38+million in arrears, and she had to pay back about 4000 in principal and interest every month. According to the reporter's comprehensive statistics, Xiao Chen's borrowing cost is 30%, which means that she owes about 654.38 million yuan, of which 30,000 yuan is the interest that needs to be paid to the platform.
Case 3: Fang Mou, a senior majoring in physical education in a university in Hunan Province, borrowed about 18 students' personal identity information last year and made * * on 12 P2P loan platforms such as "Dream Fund" and "Campus Loan".
Others: 20 16 12.30. Xiao Fei (pseudonym), a 20-year-old sophomore from a university in Guangzhou, borrowed 2,000 yuan on the loan platform "5 1 short loan", and the interest in just three months became1100000. A college student in Hubei borrowed 5,000 yuan, and the half-year interest became 260,000; A college student in Shanghai borrowed 40,000 yuan and owed 654.38+0,000 yuan for half a year ... There are many such cases, and all kinds of phenomena are shocking.
A small sum of money may accumulate into a huge sum in a short time. As an ordinary college student, how to bear this huge debt pressure? !
There is a lot of chaos in peer-to-peer lending. In addition to high interest rates, what is even more terrible is violent dunning.
For example, the naked loan exposed by the media (refers to the nude photos or small videos of the borrower with the borrower's ID card as the guarantee. Once overdue, the lender forces the borrower to repay the loan by publicizing its nude photos and contacting the borrower's parents);
For example, by hanging up the borrower's phone, sending threatening text messages, harassing the borrower's roommate, parents, teachers, etc.;
For example, pretending to be a lawyer to collect money, pretending to be a court-related text message, and publishing personal threat information will make you feel scared and force you to repay.
These Jianghu routines are so deep that students are often scared and annoyed, but they are helpless.
The terrible "campus online loan" is like a "poppy" blooming on campus. Although the appearance is beautiful and enchanting, there is a fatal temptation hidden in its sweet floral fragrance. It happened that someone stepped into the abyss of sin. Since then, the road to study has become a "no return".
3. How to avoid the campus loan trap?
In recent years, with the increasingly active loan market, the loan methods are becoming more and more diverse, and the fraud methods of scammers are becoming more and more novel. Some are not smart, but some really test IQ, which makes people hard to prevent.
College students are a special disadvantaged consumer group, with a large number and concentration. Their consumption concept is advanced, and their expenditures are varied and endless. Cheaters take advantage of college students' lack of financial knowledge, poor self-control ability and urgent need for working capital, and use false slogans such as "borrowing money is not afraid of pits, repayment is not worrying" and "zero threshold, no mortgage" to trick college students into overdraft credit and blind consumption.
Campus online loan is like an invisible "black hand", which brings harm to many students and even leads to tragedy. In order to avoid this tragedy, we should do the following eight things:
1) to prevent future overdraft.
In today's rampant consumerism, "card slave" is a common title, "spend future money" is common in newspapers, and "installment payment" is regarded as a common trick to manage cash flow in financial management. Now many students enjoy a lot of advanced consumption by stages. Although they enjoy it when spending, in the future, they will repay by installments every day to reduce their living expenses until the end of the stage. A little carelessness may lead to overdue, and the consequences of overdue can be imagined. At the same time, it also brings a burden to families when they misjudge their repayment ability.
2) prevent impulsive consumption
The monthly living expenses are quite large and economical, but why are you suddenly "poor"? The reason is probably some "impulse consumption". Impulse consumption means spending a lot of money on something on a whim, such as seeing your favorite brand-name bags and the hottest lipstick in the season. As soon as the forehead is hot, it is likely that the credit card will be maxed out, causing economic difficulties. Therefore, I suggest that in order to avoid impulsive consumption, we can add some measures to limit the maximum consumption amount in the electronics industry, mobile phone software and Alipay to restrain ourselves.
3), resolutely do not be a card slave, loan slave.
Many college students handle credit cards and usury through various channels. Although they have gained high economic consumption in a short time, they have to pay more money and energy for future credit card repayment and usury. Serious people will go astray and have an impact on their studies and future.
4) Work-study programs relieve stress.
At the same time, it is necessary to open up sources of income. For college students, there is a lot of free time to control by themselves. In addition to participating in various school activities, doing more part-time jobs or applying for work-study programs at ordinary times can not only get a certain salary to improve your life, but also get some exercise and adapt to the social environment in advance. Here, Ah Jin should solemnly remind the students that they must prevent being cheated in the part-time job.
Remember, there is no free lunch.
There will be no pie in the sky. Don't listen to the propaganda of campus loans. Students with ulterior motives and inexperience in Jianghu should not be fooled by rhetoric. Once caught, they will regret it. Besides, there is no such thing as a free lunch, and I haven't left school yet. Debt and mental trauma will bring great pressure to my future life and work.
6) Establish a reasonable financial management model and a scientific concept of consumption.
College students must have reasonable financial management methods. Many schools do not offer financial management courses, but some students have elective courses that can be taken. In addition, college students should establish a correct concept of consumption, do not compare with others, do not pursue things beyond their financial ability (the expenses that parents can provide), and cherish their learning opportunities.
7) Keep personal information and certificates properly.
It is not easy to expose your identity or give your related information (such as ID card, student ID card or personal information) to other students, teachers or strangers online. Students should pay attention to strengthen the protection of their privacy, including personal information and documents, to prevent being used by malicious people, resulting in the loss of personal reputation and interests.
8) If you really need money, you should go to the formal platform.
If you really need it, you can estimate whether you can repay the loan normally in the next few months and then determine the installment. At present, all banks have programs such as student loans for students. When students encounter financial problems, they should strengthen communication with counselors and school management departments to prevent lawless elements from entering.
4.P2P loans need to be supervised urgently.
The huge market space shows the rationality of campus loan business. The original intention of campus loan is to solve the shortage of funds faced by college students in the process of self-improvement and innovation and entrepreneurship through the reasonable flow of funds.
However, due to various reasons such as poor supervision, lack of rules, and distortion of college students' own consumption concepts. As one of the products of P2P wild era, the chaotic campus loan has changed from supporting to squeezing college students.
College students who are strangers will be squeezed by brute force from all sides if they are not careful, such as excessive exams, high interest rates and heavy fees, and violent collection. Once generate's blood splashes on the pure land of colleges and universities, it will be shocking.
However, behind a series of campus online loan tragedies and chaos is the lack of legislation, supervision and law enforcement of Internet finance. Although college students have independent capacity for civil conduct, they lack social experience and limited awareness of default risk. Relevant government departments should fully realize the importance and urgency of campus online loan tragedy and chaos, and make a difference in campus online loan legislation, department improvement and law enforcement.
As college students, we should fully understand the hidden dangers and risks of bad online loans, enhance the awareness of financial risk prevention, establish a rational and scientific concept of consumption, cultivate excellent qualities of hard work, simplicity, diligence and thrift, actively learn financial and network security knowledge, and stay away from bad online loans. If you want to participate in peer-to-peer lending, you must do what you can, recognize the formal online lending platform, and then implement the transaction. If you encounter a possible loan trap, be vigilant.