College debt more than 500,000 suicide, net loans into the campus of the Gospel or the trap? -Student loans NET loan-IT information
Recently, the college students of Henan animal husbandry economy due to their inability to repay loans committed suicide by jumping from the network news has fueled widespread concern. "Internet loan" popular on campus, is a student of the "Gospel" or "trap"? Experts say students strong consumer demand for online lending platform to provide an opportunity to students in the convenience and low barriers to attracting, but easy to ignore potential risks, net lending market integrity rules, strengthen supervision.
The live betting on stocks and debt
Recently, according to media reports, College sophomore xiaozheng Henan animal husbandry economy unable to repay amounts to various networks of hundreds of thousands of Yuan loans, eventually committed suicide. Zheng why frequent online loan how loans success time and again the final debt-ridden?
Reporters visiting the school of Henan animal husbandry economy interview learned that Zheng has been involved in Internet betting and stock during in the summer of 2015, has owed debts total more than 500,000 yuan.
According to the Henan Institute of animal husbandry economy in charge, since the second half of 2015, College-oriented network microfinance platform became a little Zheng Lai to "working capital" to rely on. And, to borrow more money, Zheng started borrowing, used by a total of 28 students ID card, student ID, address and other information, in Nono pounds, respectively, for all stages and fun staging, love learning credit, excellent staging, flashing silver 14 networks, such as micro-lending platform, total loans 589,500 Yuan.
Xiaozheng network platform "help" under debt, but the debt builds up, time and time again the "small" interest on loans and, eventually, into Zheng unbearable "massive debt".
Net credit is convenient but there are potential risks
College sophomore Chen Henan animal husbandry economy introduction, "this kind of borrowing is easy, only ID cards and student ID on the line. In contrast to Bank procedures are in much more trouble. ”
Application convenience, simply rapid – aimed at students ' living expenses and loan demand, lending platform for the rapid development of the campus network. Reporters found that online lending platform is very popular with students, but part of the loan information audits are not strict, high interest rates and high penalty features, while students in the growing consumer desire and luck may "serial loans" into the financial "traps".
"Now that banks have stopped students ' credit card business, and university students ' daily life have bought computers, cell phones and other products of the money demand. "Yang Dong, Deputy Dean, Faculty of law, Renmin University, said that" parents don't have enough money, and excuse me and my classmates lent, student-oriented microfinance platform will have a market space. ”
Student loans should be rational
Experts said the College network credits need to be alert to "fulfill" the risks and should have reasonable consumption, and the platform should be standardized approval processes, operating within the framework of laws and regulations.
NET loan House Ma, lead researcher pointed out that students have a strong and realistic demand and high cost of default, the platform also has a relatively good operation risk control tools. "For college students don't pay, you can inform the student and tutor and urge its repayment in the form of, or into the credit record in the repayment will not affect graduation, students ' net lending group can form a valid constraint. "Ma said.
"The current credit system is still not perfect, the departments concerned should platform to strengthen regulatory, platform to student loan qualification for certain audits, audit for false information false, platforms have to bear the responsibility. "Yang Dong ...
Event-related information, please refer to the previously reported: Henan college students loans after 580,000 jump from ex-girlfriend said it before betting
大学生欠债逾50万自杀，网贷进校园福音还是陷阱？ - 学生,贷款,网贷 - IT资讯
近日，河南牧业经济学院一在校生因无力偿还网络贷款而跳楼自杀的消息引起网友广泛关注。“网络贷款”流行校园，究竟是学生的“福音”还是“陷阱”？专家表示，当前大学生强烈的消费需求为网络贷款平台提供了商机，学生在被便利性和低门槛吸引的同时却容易忽视潜在风险，网贷市场亟待健全规则、加强监管。
该生参与博彩炒股而欠债
日前据媒体报道，河南牧业经济学院大二学生小郑因无力偿还共计几十万元的各种网络贷款，最终跳楼自杀。小郑为何要频繁网上贷款，又是如何屡次贷款成功最终债务缠身的？
记者前往河南牧业经济学院采访了解到，小郑在2015年暑假期间曾参与网络博彩并炒股，为此已欠下债务累计50余万元。
据河南牧业经济学院有关负责人介绍，自2015年下半年以来，面向在校大学生的网络小额贷款平台成了小郑赖以“周转资金”的依靠。并且，为借到更多钱，小郑开始借用、冒用共计28名同学的身份证、学生证、家庭住址等信息，分别在诺诺镑客、人人分期、趣分期、爱学贷、优分期、闪银等14家网络小额贷款平台，共计贷款58.95万元。
小郑在网络平台的“帮助”下还债，但债务不断累积，一次又一次的“小额”贷款和利息，最终叠加成让小郑难以承受的“巨额欠债”。
网贷虽便利却有潜在风险
河南牧业经济学院大二学生小陈介绍，“这种借款方式很方便，只需要身份证和学生证就行。相比之下去银行办理手续就麻烦得多。”
申请便利、手续简单、放款迅速——瞄准大学生日常生活开销的需求，校园网络借贷平台迅速发展起来。记者调查发现，网络借贷平台很受学生欢迎，但部分贷款存在信息审核不严、高利率、高违约金的特点，而学生在增长的消费欲和侥幸心理之下可能“连环贷”，坠入财务“陷阱”。
“现在银行已经叫停了大学生信用卡业务，而大学生日常生活中又有买电脑、手机等产品的用钱需求。”中国人民大学法学院副院长杨东表示，“爸妈给的钱不够，又不好意思和同学借，面向在校生的小额贷款平台就有了市场空间。”
学生消费贷款应理性
专家表示，大学生网贷需要警惕“力所不及”的风险，同时应具备正确合理的消费观，而平台则应规范审批流程，在法律法规框架内经营业务。
网贷之家首席研究员马骏指出，大学生有强烈且实际的消费需求，又有较高的违约成本，平台也因此有相对好操作的风控手段。“对于不还款的大学生，可以通过通知同学、辅导老师的形式来督促其还款，或写进诚信记录里，不还款会影响毕业，这样就能对学生网贷群体形成有效约束。”马骏说。
“目前信用体系还不完善，有关部门应对平台加强监管，平台要对大学生贷款资质进行一定的审核，对虚假信息审核不实的，平台也要承担责任。”杨东建议。
事件相关信息请参照之前报道：河南大学生贷款58万后跳楼，前女友称其生前赌球