Mingde College, Guizhou University"Campus loan, routine loan" risk notice

With the rapid development of the Internet, online lending as a new financial product has entered the life of ordinary people。While online lending brings us all kinds of convenience and benefits, the hidden risks also increase sharply。We may not be deeply aware of these risks, but tragedies caused by online lending have occurred one after another。

What is online lending

Online lending by the CBRC is responsible for supervision, mainly including: individual online lending and online small loans。Individual online lending refers to the direct lending between individuals through the Internet platform。Direct lending on individual online lending platforms belongs to the category of private lending and is regulated by laws and regulations such as the Contract law and the general principles of the Civil Law.Online micro-loan refers to the micro-loan company controlled by Internet enterprises, using the Internet to provide customers with small loans。

Second, what is campus loan

Campus loan, also known as campus network loan, refers to some online loan platforms for college students to carry out loan business。Campus loans are usually divided into three types: one is the installment shopping platform specifically for college students, such as Quinstallments, Ren installments, etc. Some of them also provide a low amount of cash withdrawal;The second isP2PLoan platform for college students to study, training and entrepreneurship, such as investment and loan, training loan, famous school loan, etc.The third is the credit services provided by traditional e-commerce platforms such as Ali, Jingdong and Taobao。

Campus loan has four characteristics: first，The borrowers are mostly college students，Lack of risk cognition of campus loan;second，The loans were small to begin with，But it doubles very quickly，Overburden borrowers;The third，Often using unusual means to press for repayment，For example: naked photo exposure, phone threats, etc.;fourth，When students can't pay their bills，In the end, parents and relatives of students are often found to repay。

Third, what is routine loan

Routine lending is under the guise of private lending, through"Falsely increasing debts", "making funds go off the books", "arbitrarily identifying default", "transferring accounts", "false litigation" and other means to achieve the purpose of illegally occupying others' property。Due to the strong concealment of "routine loans" and the use of public power to "sweep up the tail", the victims are easy to be deceived, especially to be vigilant about "blank contracts".。The basic characteristics of "routine loan" crime: one is to create the illusion of private lending。The defendant used the name of "small loan company" to solicit business，Sign a loan contract with the victim，Create the illusion of private lending，And with "liquidated damages", "security deposit" and other names to defraude the victim to sign "inflated loan contract", "Yin and Yang contract" and real estate mortgage contract and other contracts obviously disadvantageous to the victim;The second is to create bank traces，Deliberately make it appear that the victim has obtained all the money borrowed under the contract;Third, unilaterally and arbitrarily determine the victim's breach of contract，And require the victim to repay the "fictitious loan" immediately;Fourth, the loan amount is maliciously high。When the victim can't afford to pay，The defendant introduced other fake "small loan companies" or individuals，Or "play" other companies to sign a new "falsely high loan contract" with the victim to "balance the account"，Further increase the amount of borrowing;Fifth, the use of both carrot and stick to claim debts，Or file a false lawsuit，The purpose of encroaching on the property of the victim or his close relatives is realized through the successful judgment。

Fourth, the risk of campus loans and routine loans

In general，Campus loans and routine loans can alleviate students' short-term capital needs，Provide convenience for students' life，But because college students do not have a fixed income，The convenience of overdraft consumption is easy to form consumption inertia，Cause students to consume ahead of time and overconsumption，Eventually, students will be unable to repay and affect their normal study and life。In particular, it is necessary to put forward that some illegal online loan institutions carry out lending business for students at school, breaking the scope and bottom line of campus online loans, such as infringing on students' privacyIllegal online loans such as "naked loans", "low interest loans" encountered by usury, and forcing college students to "naked loans" may cause college students to fall into serial debt, and extreme behaviors such as illegal crimes and jumping to suicide occur frequently because they are unable to pay their debts and avoid debts。

Five, how to treat the campus network loan

1.Act according to one's ability, consume rationally, and establish a correct view of consumption。Students should consume reasonably according to their own economic situation, be sure to do what they can, and put an end to high consumption and advanced consumption beyond their own ability;

2.Learn financial knowledge and improve the awareness of preventing financial fraud and non-performing loans。At present, financial products are emerging in an endless stream, the majority of students should take the initiative to understand and learn financial knowledge, improve the ability to distinguish legitimate financial services, and beware of falling into fraud traps;

3.When encountering difficulties, you should take the initiative to seek help from the college。The national university funding policy system can ensure that students from poor families can complete their studies. If students face financial difficulties in their study and life, they should ask for help from the college, and the college will actively take measures to provide financial assistance;

4.Choose your lender carefully。At this stage, the state has begun to rectify campus network loans, requiring the suspension of all network loan institutions to carry out online loan business for college students。If there is a reasonable demand for credit funds and financial services in terms of consumption, entrepreneurship, training, etc., it is recommended to choose financial institutions approved by the banking regulatory department to provide credit services for college students;

5.Pay attention to safeguarding their legitimate rights and interests。If you have fallen into the trouble of non-performing online loans due to negligence in the early stage, and your own rights and interests are or will be harmed, you should report the relevant situation to the college in a timely manner, and seek the intervention of the state public power to safeguard your legitimate rights and interests。