School loans how low threshold: some platforms QQ grade on lending-campus credits, student loan, loan trap-IT information
On March 24, in a campus network lending platform, a student still in the consultation, which will give the teacher a call to verify your situation because he didn′t want to be found.
Meanwhile, in a so-called specifically for college students to provide consumer, business loan consulting website, scrolling list of applicants and nearly 790,000 applicants are available at the Web site Home the most obvious location.
And just a few days ago, college college students in Zhengzhou, Henan Zheng through over more than 10 online lending platform, use of student personal information to borrow hundreds of thousands of Yuan, committed suicide by jumping final due to their inability to repay.
The emergence of extreme cases, does not reduce the popularity of campus network loans. Some online lending platform is playing the "seconds" and "early", "students interest-free loans" enticing words such as to attract in the eyes of college students.
Worth noting is that ballooning lending platform on campus, booster and encouraged students beyond its capability of consumption. Online lending platform that′s at fault, or a student, should attract the attention of relevant departments.
NET loans
How to apply for a loan of the campus network? In a campus network lending platform, journalists enter the loan amount, term of payment, fill out the phone number, will complete the application process.
Chen with campus NET loan experience also demonstrates his net credit flows to the reporter, credits on your mobile phone to download a campus network client, enter a loan amount, just simply fill in your personal information and education information.
According to Chen introduced, staff will fill out the simple tips for information, such as home address, fill in the ID address, allowance amount of filling 1500 Yuan a month. It is said that it can be successfully applied to loans "tricks".
Reporter search found in the iPhone′s app store, and campus net credit-related as much as seven or eight kinds of clients: classmates cheer, pomelo, 00 stage, school expense ... ...
Numerous credits on campus network platforms, not only intensified the competition in the industry, making the student loan threshold was lowered. A platform that, as long as they possess a large bank cards will be able to borrow 5000 Yuan, while another platform, shows that as long as the QQ chat tool reaches a certain level will be for loans.
Even problems with repayment, some online lending platform can solve. An online lending platform staff told reporters, no matter how much you owe other platforms as long as a bank can borrow money.
Media reported one IOU Cheng says: "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. ”
So, why limited solvency of college students in a number of online lending platform to apply to loans? Industry turmoil need to be reorganized.
How to use the
Loans threshold be lowered indefinitely at the same time, online lending platform monitoring of loan purpose also is missing. Zheng will loan the money for gambling.
Loan platform in a campus network, reporters found a loan purpose options. Options include: consumer shopping, emergency student turnover, training, travel, micro-entrepreneurship, employment preparation, a number of options.
Network Analyst Li Xianrui that silver rates, student loan, there are basically three kinds of purposes, one is to pay tuition and basic living expenses, the second is for venture capital, three are even irrational consumption, poor use of consumption. Campus lending platform lending flows, and most third-class. Campus staging platform for example from some actual business, there are many iPhone 6S, bags, perfumes and other high-end consumer goods.
Students enjoy "rich caprice" at the same time, heavy repayment pressure or will make them into a spiral of loan-repayment-to borrow.
Reporters found that campus NET minimum monthly loan interest is 0.99%. Press enter 10000 in the loan amount, loan period for 1-year period, the platform gives monthly repayment 932.33. By calculation, journalist eventually has to pay interest of about 1188. It is easy to see, interest rates are not low.
With interesting staging platform product "original White," for example, borrow $ 3000 Yuan, loan period 1 month, 3 months, 6 months, 12 months corresponding to the interest rate are 24%, 17.5%, 15.4%, 13.5%.
According to the bank rate database incomplete statistics, currently involving campus lending platform, borrowing rates are generally high. There is a platform of Wuhan, Hubei "fell in love with loan", the "treasure of love" project yields around 20% to the lenders, loans students have to pay annual interest rates of at least 25% above.
Even more surprising is that some students applying for loans to reflect, in some platforms, 10000 Yuan line of credit, largely only 8000 Yuan, excluding 2000 Yuan for the deposit.
Li Xianrui mentioned that high interest rates inevitably leads to a higher risk of default. For the default staging students unable to repay, staging site will not relent, for students who have outstanding amount, but cannot continue to pay, 1% unpaid amounts will be charged a late fee on a daily basis and will notify their parents, for whom reimbursement. In addition, cannot continue to pay student next to also include a credit system, after their personal credit will have an impact.
How the Bank should cover?
In fact, as early as last year, some media have expressed concern that the campus network loan spread--at many colleges, school loans, stage music, interesting stage enormous marketing specifically for college credit, such as loans, in full swing. Erupted in the steady stream of students unable to repay loans, some activists have called for a halt in the trade network on campus loans.
Campus loan problems worthy of reflection of society as a whole. Chaos campus credit platforms not only need renovation, impulse spending, excessive consumption of the phenomenon of college students are also worthy of attention. So college without loans?
It should be said that hot campus credit, to a certain extent make up for the gaps in college credit and meet some of the students ′ demand for consumer credit at the same time, also greatly release the campus consumer spending power. Judging from the current situation, of college students ′ consumption should lead the way.
It has come to our attention, from the traditional bank lending products more secure, standardized, still focus on the student loan products, it is difficult to meet the needs of college students ′ consumption loans.
This is because commercial banks ′ consumer lending business focuses on ability to repay people and college students because there are no fixed income, residence is not stable enough, for banks, credit risk, management costs. Consumer loans for college students, under the guidance of regulators, banks remain cautious.
We need to see is, in the context of national policy of encouraging mass entrepreneurship, college students in recent years including the yearly increase in the number of college students start their own businesses, with the financing needs are starting to appear. Our students given preferential tax rates and tax incentives, loan applications are facing loan approval procedures, long period and holding policy, could not be implemented, and many other issues.
Good news is, this situation is gradually improving. Try some of the banks have begun to launch some credit products, to support the venture capital financing needs of students.
校园贷款门槛多低：某平台看QQ等级就放款 - 校园贷,大学生贷款,贷款陷阱 - IT资讯
3月24日，在某校园网贷平台，一位学生仍在咨询，该平台是否会给老师打电话核实自己情况，因为他不想被学校发现。
与此同时，在一家号称专为大学生提供消费、创业等借款咨询的网站，不断滚动的申请人名单以及接近79万的申请人数被放置于网站首页最为明显的位置。
而就在几天前，河南郑州某学院的在校大学生郑某某通过10余家网络借贷平台，利用同学私人信息借款数十万元，最终因无力偿还而跳楼自杀。
极端案例的出现，并未降低校园网络贷款的人气。一些网贷平台更是打出“秒放”、“无前期”、“大学生免息贷款”等诱人字眼，以吸引在校大学生的目光。
值得注意的是，不断膨胀的校园贷款平台，助推和怂恿着学生超出自身承受能力的消费。无论错在网贷平台，还是学生，都应引起相关部门的注意。
如此网贷
如何申请校园网络贷款？在某校园网贷平台，记者在输入借款金额、还款期限，填写手机号后，便完成了申请步骤。
有过校园网贷经历的小陈也向记者演示了他的网贷流程，在手机上下载某校园网贷的客户端，在输入贷款金额后，仅需简单填写个人信息与教育信息。
据小陈介绍，相关工作人员还会对资料的填写进行简单提示，如家庭地址填写身份证地址，每月零用钱数额填写1500元。据说，这也是可以顺利申请到贷款的“窍门”。
记者在苹果手机的应用商店内搜索发现，与校园网贷相关的客户端有七八种之多：同学加油、校柚、零零期分期、零用金……
众多的校园网贷平台，不仅加剧了行业内的竞争，也使得大学生贷款的门槛不断被降低。某平台表示，只要持有某大行银行卡便能贷到5000元，而另一平台则显示，只要QQ聊天工具达到一定级别便有贷款资格。
即便是还款出现问题，一些网贷平台也能解决。一位网贷平台工作人员告诉记者，不管你在其他平台欠了多少，只要有银行卡便能贷到款。
有媒体报道，郑某某其中一张欠条的内容为：“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。”
那么，偿债能力有限的大学生为何能够在多家网贷平台申请到贷款？行业乱象亟待整顿。
如何使用
在贷款门槛被无限放低的同时，网贷平台对贷款用途的监控也存在缺失。郑某某便将贷来的钱用于赌博。
在某校园网贷平台，记者发现设有贷款用途选项。选项中包含：消费购物、应急周转、培训助学、旅行、微创业、就业准备等多项选择。
而银率网分析师李先瑞认为，学生借款，大致有三种用途，一是缴纳学费和基本生活费，二是用作创业资金，三是消费甚至是不合理消费、不良用途。目前校园借贷平台借出款的流向，大多属第三类。例如从一些校园分期平台的实际业务看，不乏iPhone 6S、名包、香水等各类高端消费品。
大学生在享受到“有钱任性”的同时，沉重的偿还压力或将令他们陷入借钱—还款—再借钱的漩涡。
记者发现，目前校园网贷利息最低月息为0.99%。记者在贷款金额中输入10000元，贷款期限选择1年期，平台给出每月需还款932.33元。经计算，记者最终要支付的利息约为1188元。不难看出，利息并不低。
以趣分期平台的产品“趣白条”为例，借款3000元，借款期限1个月、3个月、6个月、12个月对应的年利率分别为24.0%、17.5%、15.4%、13.5%。
据银率网数据库不完全统计，目前涉及校园借贷的平台，借款利率普遍较高。有一家湖北武汉的平台“爱上贷”，其“爱学宝”项目给出借人的收益率在20%左右，借款学生要付的年利率至少在25%以上。
更令人惊讶的是，部分申请到贷款的学生反映，在某些平台，10000元的贷款额度，实际到手仅为8000元，扣除的2000元为保证金。
李先瑞提到，高利率不可避免地带来较高的违约风险。对于违约无力偿还分期的学生，分期网站当然不会手软，对于有未还金额却不能继续偿还的学生，按日收取未还金额百分之一的滞纳金，同时也会通知其父母，让其代为偿还。此外，不能继续还款的同学下一步还将纳入征信系统，对其以后个人信用也会有影响。
银行应如何补位？
事实上，早在去年，一些媒体便已关注到校园网络贷款泛滥问题——在不少高校里，名校贷、分期乐、趣分期等专门针对大学生的信用贷款的广告铺天盖地，如火如荼。在不断有大学生曝出无法偿还贷款后，一些业内人士更是呼吁应叫停校园网络贷款。
校园借贷引发的问题值得整个社会的反思。不仅校园网贷平台乱象需要整治，大学生冲动消费、超前消费的现象也值得警惕。那么大学生到底需不需要贷款？
应该说，校园信贷的火热，在一定程度上弥补了大学生信贷的空白，在满足了部分学生的消费信贷需求同时，也极大地释放了校园消费群体的消费能力。从目前情况来看，大学生消费应进行引导。
我们注意到，从更为安全、规范的传统银行贷款产品来看，仍主要停留在助学贷款产品上，难以满足大学生消费贷款需求。
这是因为，商业银行的消费贷款业务主要集中在具有偿还能力的人群，而大学生群体由于没有固定收入、居所不够稳定，对银行而言，信用风险较大，管理成本较高。对于大学生消费贷款，在监管部门的引导下，银行也始终保持审慎态度。
需要看到的是，在国家鼓励大众创业的政策背景下，近年来大学生包括在校大学生自主创业的数量逐年增加，随之融资的需求也开始出现。我国对大学生创业给予了各项优惠税率及税收优惠，但是创业贷款的申请却面临着贷款审批程序复杂、周期长、挟持政策、无法落实等诸多问题。
值得欣慰的是，目前这一情况正在逐步改善。部分银行已开始作出尝试，推出一些信贷产品，对大学生创业融资需求进行支持。