m88 slot machine casinoRefers to regular students who are enrolled in schoolFinancial institutionOr the act of borrowing money from other lending platforms.

[Campus Loan Classification]

(1) Consumer Finance Company - Ruqufenqin、Ren Fenqi, etc.，Some also provide lower amounts of cash withdrawal；

(2) P2P loan platform (online loan platform)，Used for student assistance and entrepreneurship for college students，Such as prestigious school loans, etc.。Due to national regulatory requirements，Most formal online loan platforms, including prestigious school loans, have suspended campus loan business；

(3) Offline private loans - entities such as private lending institutions and lenders，commonly known as loan shark。Loan sharks usually make false propaganda、m88 live casino and sports m88 best betting websitebettingOffline signing、Being an illegal intermediary、Charge super high rates，There are also problems such as violent collection，Victims usually suffer huge property losses or even threaten their own safety；

(4) Banking institutions—campus products provided by banks to college students，Such as China Merchants Bank’s “Flash Loan for College Students”、China Construction Bank’s “Golden Bee Campus Quick Loan”、Qingdao Bank’s “Study e-Loan”, etc.。

[Three major characteristics of campus loans]

One，Borrowers are basically college students，Lack of life experience and financial knowledge;

Part 2，The loan amount was not high at the beginning，But it didn’t take long to double several times，Making borrowers overwhelmed;

Part 3，Under pressure from the lender through abnormal means，Borrowers who cannot bear the pressure often seek shortcomings。

[Campus loan traps appear frequently]

Open a certain lending platform APP，Click to apply for a loan，A new interface appears。This interface is divided into large amount area and small amount area，The loan limit in the large-amount special area reaches 5,000 to 200,000 yuan，And marked "10 Minutes Quick Loan"；In the small amount area, the price is less than 5,000 yuan。When you m88 best betting websiteclick m88 online bettingto apply immediately in the large amount area，After entering your name and mobile phone number，Answer 10 questions to get a loan。Low threshold、High interest rate、No guarantee、Unsecured，has almost become synonymous with campus loans。Statistics are displayed，The scale of Internet consumer credit for college students in 2016 has exceeded 80 billion yuan。Nearly a year，Black agents appear frequently、Naked loans and other “campus loan” traps，Some college students have become victims or suspects。2016，A "naked" compressed package of the online lending platform "Jianjiebao" is circulating on the Internet，Contains nude photos and videos of 167 female college students，Pushing issues such as illegal “campus loans” to the forefront。

[How deep is the campus loan routine]

Various sweeteners to attract students。Example: "I am a college student with a loan of more than 100,000 yuan,This is my letter from last year,A bit dark。"Xiao Ming said,Enter university and start taking out loans,He has taken loans from 4 campus loan platforms。Xiao Mingshuo，When a campus loan enters a university campus,As long as you pass the platform’s interview,New users can get gifts。“Later, the service provider’m88 online bettings money m88 best online betting websitewas almost burned,Only slowly cancel or reduce the benefits for new users,But we will still hold activities during the beginning of school。”

High bad debt rate and high interest rate create a vicious cycle。Example: A loan salesperson in charge of an asset management company told reporters,The core problem of campus loans is actually the bad debt rate。“The bad debt rate is also kept secret by each platform,Everyone is avoiding this question,Not willing to say it clearly。The current bad debt rate on campus loan platforms is too high,2 out of 10 business orders may have bad debts。

The service fee is higher than the interest。There is another secret that cannot be told to students on the campus loan platform-service fees and other additional fees。Generally speaking,The profit of the campus loan platform mainly depends on interest and service fees,There are also some installment shopping guide platforms that charge shopping guide fees from channel vendors。In other words,Campus loan platforms will either push the interest rates on loans from P2P companies to students,Either bargain with the e-commerce supplier,This is the profit model of campus loan "products with low gross profit and repayment with high interest rate" or "products m88 slot machine casinowith m88 slot machine casinohigh gross profit and repayment with low interest rate"Formula.

Source: People's Daily Online, Baidu Encyclopedia.