Henan college students loans after 580,000 jump: ex-girlfriend says their living betting-student loan debt-IT information
Providing a phone capture of Zheng allegedly Zheng mobile phone software to record October 2015 consumption, up to that time, expenditure of nearly 700,000 yuan.
Borrowing on behalf of the student loan, Zheng two classmates under the handwritten IOU.
"I heard jumping fall and hurt, but I′m just too tired. "The night of March 9, sophomore College of Henan animal husbandry economy Zheng, micro-group in a classmate′s last words were, on that day, he committed suicide in Qingdao.
Zhiqian, Zheng is the class leader, popular, nearly 30 students assist him in "online scalping," he borrowed on behalf of the students, through a variety of online lending platform loans amounting to more than 580,000 yuan. Access to online gambling, let Zheng finally embark on a road of no return.
"This is the fourth time he committed suicide"
"Guys, I′m going to get, in this last time, really sorry everyone, I heard that jumping fall and hurt, but I′m really too tired, brother, and really thank you very much for taking care of me before, I Cheng so sorry everyone. "The night of March 9, Zheng in the letter the group after some words, his classes in fry pan.
"Everyone in unto him, and advised him not to go to extremes. "Zheng Xiao Chen of roommates, and many students call, but can′t link up with Zheng. Voice mail, Zheng left this content, "some day all together, tell me fraud, so money you don′t have, and really, I fraud can win. ”
"This is the fourth time he had committed suicide. "Chen got another roommate, little echoed.
In the description of the two men, in January this year, Zheng had tried to jump into the long Lake, near the school, but was discouraged; in February, Chamberlain had received in Xinxiang, police calls, asked the Zheng family contact, Zheng believed to commit suicide, hit a car in the hospitals. Third time Zheng a lot take motion sickness pills, after treatment but no big deal.
Monitor why suicide? Students answer the same--Zheng borrows heavily on behalf of the students, and loans through a variety of online lending platform, owing a debt of about 600,000 unable to pay, stressful.
Loans not dormitory block collection
Roommate Xiao Cao said that sophomore year after school, Zheng claimed on the Internet and found a part-time job, you need to "network scalping", allow students to help with a variety of personal information.
" He lives quite embarrassing, and sometimes we help buy food . "The roommate Xiao Chen, Xiao Zheng ping, popularity, high prestige, and he asked for help, said a part-time, students came to offer a helping hand--loaned ID cards, student cards, and provides parents phone number and other personal information .
"After second year on, the monitor will not go to class, see people during the day, only at night back to the dorm to sleep. "Zheng said one roommate, monitor exactly what they don′t know. As early as the end of last year, a number of school staff took turns to dormitory "blocking the door" looking for Zheng, claiming to be debt collectors.
Around the end of last year, many students receive a lot of online lending platform DUN SMS. "Have been out visiting group will find you and make you the focus campus! We′ll see! "This is one of the students received DUN SMS.
Students understood, Zheng used their name for the loan.
Monitor grounded nearly 30 students IOU
Frequently receives notifications in arrears, even after threats, some of them scared out of the school gate, tell your teacher. Many people say, in coordination with the teacher, in early January this year, laid the ious Zheng respectively to a classmate.
One IOU is the following: I Cheng in December 2015, school loans, using the yellow information stage, excellent staging, staging multiple platforms such as interest loans promised in 2016, before the Chinese new year to settle all loans if there are defaults, willing to bear the corresponding legal responsibility. And signature and fingerprints.
Should students request, Zheng He had statistics a list of debts, 26 students involved, the total amount of 589,500 . In this regard, Zheng Chen of roommates that he owed a total of 110,000 yuan, but the list shows only their own debts of 60,000 yuan. Another classmate Wang said, Zheng borrowed his 16,000 yuan loans in the name of, but it did not register on the list. After preliminary statistics, Zheng borrowed a total of 28 students in the name of the loan.
Many students said, when Zheng borrowed their name, they don′t know when you check, they also didn′t attend. Then they see the signatures of many loans are small Zheng Dai signed. Loan money, they haven′t seen a penny.
Ex-girlfriends, family, means Zheng NET gambling
Zheng′s ex-girlfriend Lily (not his real name) said that she and Zheng went out 8 months does a girl friend, broke up around February this year. Long before she met Zheng, Zheng has been keen on gambling, the two men established relations after a month, she didn′t know it and had confronted xiaozheng, Zheng finally admitted to gambling, but lost many refused to speak.
" He has been lying to me, I am also a victim . "Lily said Zheng uses her loans on behalf of 80,000 yuan. Meeting with Zheng the last time, was around January 14, after which you can not contact each other, the two officially broke up.
A family said they have heard about Zheng gambling, home also for his debts.
Called tell my story a sophomore student debt of more than 300,000 postings, for nearly two days to become a stick hot post. Posted by "the hand of Munich" starting on January 22 at 7 o′clock in the evening post, 24th, the update is aborted, their personal information such as name, photograph and identity, as well as the arrears are consistent with Zheng.
Post said he likes football, beginning in January 2015 to buy soccer lottery, started playing a small, small gains consciousness after easy money, increase the bets started to lose money .
Meanwhile, he borrowed from a friend of 800 Yuan, broke, resulting in the award of 7000. "If this is how good is an end, but I didn′t. First prize, vanity, and for mobile phones, please eat...... "
Because the money is too slow, "Munich" came into contact with the "outside bet". After losing all his money, he thought of the loans, "lending platform in the net loan of more than 10,000, to tell the truth, this is the first time in my life to get so much money, loan, don′t panic is not, at that time seems to be digital, a growing number of".
Posters are the last updates are, "worked for 12 hours last night, and then work in the morning to get to Lake, salary is not high, make money easy, gamblers don′t deserve our sympathy, this road on your own."
Zheng father: family is very poor unable to repay debts
16th, Zheng′s father came to the school of Henan animal husbandry economy, clear away the remnants of Zheng′s personal belongings at school, and meet with students. Xiao Zheng Shiyou Liu said the meeting, Zheng Shu said hundreds of thousands of Yuan of debts should not be borne by the students, but did not provide specific solutions. Zhiqian, Zheng′s father has said the family is also a victim, in a poor family, simply cannot afford to repay the money.
16th, the Qingdao City Public Security Bureau publicity Office confirmed that March 9 at 8 o′clock in the evening the police alarm, a downtown hotel rooms at 21 years old man committed suicide by jumping from a hotel window, was killed on the spot, which is what xiaozheng himself. Contact the police after their families, Zheng′s father had rushed to the Qingdao cuisine compound.
Publicity Department of Henan Institute of animal husbandry economy Vice Minister Wu said that after the Spring Festival, Zheng can no longer go to school, the school has been in touch with him, due to the long absences, schools were also prepared to react accordingly. Zheng borrowed name, a glimpse into the school, involving more than 580,000 yuan, covers more than one online lending platform. School Security Office also led the students alert, but police has not yet been filed. Schools will take this as a warning to carry out comprehensive investigation, and strengthen the education on students ′ financial awareness and prevent similar incidents from happening again.
Chun yi of Henan, lawyer, law firm Director Zhang shaochun, analysts believe that the fictional facts and deceive students loans after they went gambling, Zheng has been arrested for fraud, while the injured students report, the police should be on file for investigation . Zheng is an adult, if I had no property, his parents did not have a repayment obligation, but voluntary repayment should morally support. Also, for network loan platform or other institutions of small loan problem, points two part solution: If Department students voluntary and network loan platform, institutions signed written loan agreement and borrowing to monitor of, these students should repayment; If Department monitor generation signed or only by students card on lending, no directly and students signed written contract of, network loan platform, institutions itself exists audit checks not strict of fault, these students without repayment .
河南大学生贷款58万后跳楼：前女友称其生前赌球 - 学生,贷款,外债 - IT资讯
小郑的同学提供的一份手机截图，据称是小郑手机软件记录下的2015年10月份的消费，截至当时，支出金额已近七十万元。
借用同学的名义贷款后，小郑给两名同学手写下的欠条。
“听说跳楼摔下去会很疼，但是我真的太累了。”3月9日晚，河南牧业经济学院大二学生小郑，在一个同学的微信群里留下遗言，当天，他在青岛自杀身亡。
之前，小郑是班里的班长，人缘好，近30名同学协助他“网络刷单”，他则借用同学的名义，先后通过各种网贷平台贷款，总金额超过58万元。接触网络赌球，让小郑最终走上一条不归路。
“这是他的第四次自杀了”
“兄弟们，我就要跳了，在这最后的时候，真的很对不起大家，听说跳楼摔下去会很疼，但是我真的太累了，兄弟一场，真的很感谢大家以前对我的照顾，我郑某某对不起大家。”3月9日晚，小郑在微信群里留下一段遗言后，他所在的班级炸了锅。
“大家都在劝他，劝他不要走极端。”小郑的室友小陈说，不少同学拨打电话，但都联系不上小郑。语音留言中，小郑还留下这么一段内容，“过些日子大家联合起来，告我诈骗，这样你们的钱就不用还了，真的，告我诈骗的话可以胜诉。”
“这是他的第四次自杀了。”小陈的说法得到了另一名室友小张的附和。
二人的描述中，今年1月份，小郑曾试图跳入学校附近的龙子湖内，幸被人劝阻；2月，小张曾接到新乡警方电话，询问小郑家人联系方式，原来小郑疑因轻生，撞上一辆汽车住进医院。第三次是小郑大量服用晕车药，经救治幸无大碍。
班长为啥要自杀？多名同学答案一致——小郑借用大量同学名义，通过各种网贷平台进行贷款，欠下约60万的外债无力偿还，压力巨大。
贷款不还宿舍堵门讨债
室友小曹说，大二开学后，小郑声称在网络上找了一份兼职工作，需要“网络刷单”，让同学们帮忙提供各种个人信息。
“他平时生活挺窘迫的，有时候还得我们帮忙买饭。”室友小陈说，小郑平时人缘好，威信高，他一开口求助，又说自己在兼职，同学们就纷纷伸出援手——借出身份证、学生证，并提供了父母手机号等个人信息。
“上大二以后，班长基本就不去上课了，白天见不到人，只有晚上才回宿舍睡觉。”小郑的一名室友称，班长到底在忙什么，他们也不清楚。早在去年年底，有多批校外人员轮番去宿舍“堵门”找小郑，自称讨债。
去年年底前后，多名同学收到了不少网贷平台的催债短信。“已经出门的外访组，会找你让你成为校园焦点！我们拭目以待！”这是一名同学收到的催债短信。
同学们这才明白，原来小郑用他们的名义进行了贷款。
班长给近30名同学打下欠条
在频繁接到欠款通知甚至是威胁后，一些同学吓得不敢出学校大门，告知老师。多人称，在老师的协调下，今年1月初，小郑分别给同学打下了欠条。
其中一张欠条有如下内容：本人郑某某于2015年12月期间，使用黄某某信息在名校贷、分期乐、优分期、趣分期等多个平台贷款，承诺于2016年春节前结清所有贷款，如有违约，愿承担相应法律责任。并有相关落款和手印。
应同学要求，小郑自己统计了一份欠款名单，涉及26名学生，金额共计58.95万元。对此，小郑的室友小陈称，自己共欠下11万元，但名单上仅显示自己欠款6万元。另一名同学小王则表示，小郑借用他的名义贷款1.6万元，但名单上并没有登记。后经初步统计，小郑共借用28名同学的名义贷款。
多名学生表示，小郑在借用他们名义贷款时，他们根本不知情，办理手续时，他们本人也根本没参加。此后他们看到的多起贷款人的签名，均为小郑代签。贷款的钱，他们也一分钱没见过。
前女友、家属、网帖均指小郑赌球
小郑的前女友丽丽（化名）说，她和小郑确实处过8个月男女朋友关系，今年2月份前后分手。早在她认识小郑之前，小郑就已热衷于赌球了，二人确立关系一两个月后，她才知晓此事，并曾当面质问小郑，小郑最后也承认曾赌球，但具体输了多少不肯讲。
“他一直在骗我，我也是受害人。”丽丽说，小郑用她的名义贷款8万元。与小郑最后一次见面，是1月14日放假前后，此后就联系不上对方，两人正式分手。
一名家属透露，他们对小郑赌球一事有所耳闻，家里也曾替他还过债。
一则名为《讲讲我的故事大二学生负债三十多万》的帖子，近两天成为某贴吧的热帖。发帖者“慕尼黑之手”于1月22日晚7时开始发帖，24日中午则中止更新，其公布的个人姓名、照片、身份等信息，以及欠款情况，均与小郑一致。
发帖者称，他喜欢足球，2015年1月开始购买足球彩票，一开始玩得很小，小有斩获后自觉赚钱容易，加大投注后却开始赔钱。
其间，他向朋友借了800元，孤注一掷，结果中大奖7000元。“如果这是个终点多好，可惜我没有。第一次中了大奖，虚荣心发作，换手机，请吃饭……”
因感觉赚钱太慢，“慕尼黑之手”开始接触“外围赌球”。在输光钱后，他想到了贷款，“在网贷平台贷了一万多，说实话，这是我人生中第一次搞这么多钱，虽然是贷款，心里居然一点恐慌都没有，钱那时候看来就是数字，一个越来越大的数字”。
发帖者的最后一条更新内容是，“昨晚工作了十二个小时，然后早上就要赶去龙湖干活，工资不高，赚钱不易，赌徒都不值得同情，这条路只有靠自己”。
小郑父亲：家里很穷无力偿还欠款
16日，小郑的父亲来到河南牧业经济学院，收拾走了小郑遗留在学校的私人物品，并和多名学生见面。小郑室友小刘表示，见面会上，虽然小郑家属称数十万元的债务不应当由学生们承担，但并未给出具体解决方案。之前，小郑的父亲称，家人也是受害者，家里很穷，根本无力偿还这笔钱。
16日，青岛市公安局宣传处相关人士证实，3月9日晚8时许警方接警，一名在市区某酒店入住的21岁男子从酒店窗户处跳楼自杀，当场身亡，这正是小郑本人。警方联系其家属后，小郑的父亲赶往青岛料理了后事。
河南牧业经济学院宣传部一吴姓副部长表示，春节过后，小郑就没再去学校，校方一直在联系他，由于长期旷课，学校本来还准备做出相应处理。针对小郑借用他人名义贷款一事，校方初步了解到，涉案金额为58万余元，涉及多个网贷平台。学校保卫处也曾带领学生报警，但目前警方暂未立案。学校会以此为戒展开全面排查，并加强对学生的金融防范意识的教育，避免类似事件再次发生。
河南春屹律师事务所主任、律师张少春分析认为，虚构事实、欺骗同学贷款后自己去赌球，小郑的做法已涉嫌诈骗罪，而受害同学报案后，警方应当立案侦查。小郑是成年人，假如本人没有财产，他的父母不负有还款义务，但自愿偿还的应当从道义上给予支持。此外，对于网贷平台或其他机构的小额贷款问题，分两部分解决：如果系学生自愿与网贷平台等机构签订书面贷款协议并借款给班长的，这些同学应当还款；如果系班长代签或仅凭学生证就放款，没有直接与同学签书面合同的，网贷平台等机构本身存在审核把关不严的过错，这些学生不用还款。