Can make millions in debt of college students! Campus loan exactly how "pit"? -Net credit, college students-IT information
College students in Henan province, Xiao Zheng Yin million unable to make repayments on the debt, and eventually jumped. Reporters, Zheng family was common, there is no fixed income. While lamentable, people cannot help but ask, there is no fixed source of income college students how to borrow so much money? "Spending tomorrow's money today's dream" really did sleep worry-free? Campus loans whether a violation exists?
It is continuation of the campus credit card
In recent years, online lending platform rapidly, and "quick and easy, zero-threshold, unsecured" features such as publicity in college students, known as entrepreneurship, consumption and tourism provides all kinds of money. However, chaos ensued, "student loan of 30,000 arbitrage to 700,000", "Jilin University students encounter usury", "lender robbed students laptop computers to repay their debts" and other events, often into people's mind.
In fact, now raging campus microfinance, but continuation of the campus credit card was stopped many years ago. At that time, the major banks issuing credit cards, also attracts students in this group was eventually halted. Campus loans may seem convenient, without collateral, repayment pressure, some online lending platform or publicity on campus do not charge interest on the loans, it seems to be giving the students a great deal of deals. According to statistics from journalists, college students already have Pearson VUE for online lending platform, many well-known brands have also started the business. What college students have no credit capital, lack of reliable sources of income, belong to the high risk of lending group, but college students appears to be a separate entity, but closely attached to the school and the family, "run the monk may run away, but the Temple", unless the student is really don't want it, don't want to graduate, or who is a very good find. And once the loan companies can't threaten their industry, or through this channel to make, these students would have to concede. Students unable to repay their loans when families becomes practical fallback. Although these loans are given to students, but students ' parents had no knowledge of the case, has become the actual repayment of the loan people.
Cheap money "arbitrage" the law
Online lending platform tends to lower interest rates attract students in stages, some online lending platform even claim that 1 of the monthly, but in fact many of these small loans are far exceeding the current staging bank credit card interest rates. And once the overdue payment, paying penalty rates are very high, and by the day. These liquidated damages and interest, more than the loan principal, some online lending platform does not even allow prepayment, forming in fact usury. In one case, the party started to used the loan to buy a computer, debt balances only 1280 repayments overdue, interest and liquidated damages are growing at 40 Yuan a day, client computer had to be sold to pay off the arrears.
Informal credit in the Supreme People's Court on application of laws in a number of provisions of article 26th, provides legal support to the maximum lending interest rate for interest rate 24%. Online lending platform lending far exceeds the rates, is clearly not protected by law.
In addition, the extremely high late payment penalty online lending platform is an important means of profit, purpose of the liquidated damages provided for in the contract law first of all, the loss is compensated by the defaulting party, followed by the punishment for breaching party. Campus loans, losses due to late payments by the defaulting party is limited, in the case of has been charging high interest, and then charge exorbitant penalty contrary to the legal principles of fairness.
Not only that, but some online lending platform will also charge a percentage of the deposits and service fees. At the time of signing a loan application, these costs even when the loan is deducted from the loan, resulting in actual does not match the amount of borrowed money and IOUs written by. However net lending platforms often require that students in accordance with interest at the amount that is inconsistent with the actual issue ious and, in the case of failed to repay overdue, interest will also be writing ious to realize arbitrage.
Article No. 200 of China's contract law: loan interest shall be deducted from the principal in advance. Deduction for interest on the principal in advance shall be calculated according to the actual amount borrowed and repays the loan interest. Informal credit in the Supreme People's Court on application of laws in a number of issues in the provision of clear, compound interest paid after the total loan amount, shall not exceed the original loan principal 24% interest rate last year on the basis of interest, namely, usury is not means to compound interest has been changed.
Fraud risks caused by lack of review
In the case of students jumping from, according to xiaozheng information sent to students that, through student loans on the network platform, Zheng not only loans to student loans on behalf of hundreds of thousands of Yuan, even some students on loan had no knowledge of the parties, until DUN come, you know that you have been charged with massive debt.
Most campus network platform for student loans loan procedure is very simple, only need to ID card and a copy of student ID card and fill in the appropriate personal student information can quickly get the money, most of the procedures or even online at, some online lending platform need to upload a video I handheld documents to State loans. A student to impersonate others ask yourself does not make a statement after loan loan video or signed words, why net lending loan platform, the answer is "students in a video with you close." Thus, little campus loans the borrower's identity is verified, it is prone to fraud risks. Meanwhile, some of the personal information is used, in his unwitting case with large debts, for both students and parents of the injured was an unexpected calamities. Moreover, some criminals also use usury cheating students on campus property, bonds, or use personal information for telephone fraud, obtaining credit cards.
DUN company intimidation alleged copyright infringement
Compared with overdue credit card banks, various means of net loan company "biting", in the case of students scheduled repayments, DUN employment companies have started to ask for their many DUN company went to school to make trouble, threatening parents, making threatening calls, even violence, detention, tracking illegal means, such as collection, upsets the student a perfect nuisance.
If there is evidence that DUN company telephone harassment, insults, intimidation, acts of violence, the DUN company constitutes civil infringement, serious, or that may constitute a criminal offence, subject to criminal prosecution.
China's Public Security Administration Punishment Act also provides, repeatedly sending obscene, insulting, threatening, or other information is disturbing others ' normal lives and voyeur, candid, wiretapping, distribute someone's Privacy Act, 5th detained or fined a maximum of 500 Yuan; plot heavy, 5th above 10th following detention, may be fined a maximum of 500 Yuan.
Campus loans saw demand for consumption and business
Into many college campuses, large and small online lending platform advertising flyers everywhere, above all the writing "zero threshold" and "unsecured" and "lines of up to 50,000" the more enticing words, leave a contact phone number or QQ number. These network loan platform fancy of is is not mature of students on funds of needs: one, meet strong of consumption needs, students especially love electronic products, pursuit fashion,, they may cannot suddenly put a Department Apple phone of money to settled, but each months with himself of living repayment problem is unlikely to; second, meet venture needs, students venture is very hot of things, some company on known as is to support students venture, response related policy and trend. On campus, many students because parents with the cost of living is limited, cannot borrow money from banks, those school loans just to achieve independent living, there is no mature consumer attitudes of students, is no small temptation.
Borrowing examined the contract spending to get
Strengthening market supervision and crackdown, effective means of governance campus loan mess is, of course, but as the College itself also to increase legal awareness, establish the correct view of consumption, within our capabilities. In the face of school loans, to carefully review the contract, pay attention to net loan company is the formal, whether there is high interest in the loan contract and breach of contract and other issues. Under conditions beyond the DUN of the repayment due, don't listen to net loan company new ious issued by the instructions even with interest, leading to arbitrage situations. If they use illegal DUN DUN company, preserving evidence in a timely manner, rights according to law.
能让大学生欠债百万！校园网贷究竟有多“坑”？ - 网贷,大学生 - IT资讯
河南省某高校大学生小郑因欠债上百万无力还款，最终选择了跳楼轻生。经记者调查，小郑家境普通，也没有固定工作收入。扼腕之余，人们不禁要问，一个尚无固定收入来源的在校大学生是如何借到这么多钱的？“花明天的钱，圆今天的梦”真的安枕无忧吗？校园贷款是否存在违法行为呢？
实为校园信用卡的延续
近年来，网络借贷平台迅速崛起，并且以“快速便捷、零门槛、无抵押”等特点在高校学生中宣传，号称为大学生创业、消费、旅游等提供各类资金。不过，一些乱象也随之出现，“大学生贷款3万利滚利变为70万”、“吉林高校学生遭遇高利贷”、“放贷人强抢学生笔记本电脑抵债”等事件，时常进入人们视野。
实际上，现在汹涌的校园小额贷款，不过是多年前被叫停的校园信用卡的延续。那时候，各大银行滥发信用卡，也看上了学生这个群体，最终被叫停。校园贷款看似方便快捷，无抵押，分期还款压力小，有的网贷平台甚至宣传校园贷款不收利息，这似乎是给了大学生群体极大的优惠。据记者统计，针对大学生的网贷平台已经有百余家了，许多知名品牌也开展了这项业务。大学生没有什么信用资本，也缺乏可靠的收入来源，属于借贷的高风险群体，但大学生看似是一个个独立的个体，却又紧密地依附于学校与家庭，“跑得了和尚跑不了庙”，除非是真的学籍也不要了，不想毕业了，否则人是非常好找到的。而一旦贷款公司威胁他们毕不了业，或者通过学校这个渠道去闹，这些学生便不得不就范了。在学生自己无力还款的时候，家庭就成了实际兜底者。虽然这些贷款是放给学生，但实际上学生的父母在不知情的情况下，已经成为了贷款的实际还款人。
低息贷款“利滚利”违法
网贷平台往往会以低分期利率吸引学生，有的网贷平台甚至宣称月息1分，但实际上这些小额贷款很多都远超目前银行信用卡分期利率。而且一旦逾期偿还欠款，需要支付的违约金费率也相当高，且按日计算。这些违约金和利息，比借款本金还多，有些网贷平台甚至不允许提前还款，形成事实上的高利贷。在一起案例中，当事人一开始用贷款买了一部电脑，在债务余额仅剩1280元时还款逾期，利息和违约金就以每天40元的速度增长，当事人不得不将电脑卖掉才还清欠款。
《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第26条，规定了法律支持的最高民间借贷利率为年利率24%。一些网贷平台的贷款利率远超这个利率，显然不被法律所保护。
此外，畸高的逾期还款违约金也是网贷平台的重要牟利手段，合同法中规定违约金的目的首先是补偿被违约方的损失，其次才是对违约方的惩罚。在校园借贷中，逾期还款给被违约方造成的损失有限，在已经收取了高额利息的情况下，再收取高额违约金有悖法律的公平原则。
不仅如此，部分网贷平台还会收取一定比例的押金和服务费。在签订贷款申请时，这些费用甚至在借款时就从所借款项中扣除，导致实际借到的钱与欠条所写金额不符。然而网贷平台经常要求大学生按照与实际不符的金额出具欠条并计算利息，在逾期不能还款的情况下，将利息也一并写入欠条，实现利滚利。
我国合同法第200条规定：借款的利息不得预先在本金中扣除。利息预先在本金中扣除的，应当按照实际借款数额返还借款并计算利息。《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》中明确，利滚利后支付的总借款额，也不得超过在最初借款本金基础上加上年利率24%的利息，即不得以利滚利的手段变相进行高利贷。
缺乏审查导致骗贷风险
在引发学生跳楼的这起案件中，根据小郑发给同学的信息得知，通过网络上的在校生信用贷款平台，小郑不但自己贷款，还以同学的名义贷了数十万元，甚至有一部分当事学生对贷款的事情毫不知情，直到催债公司找上门来，才知道自己已经身负巨额债务。
大多校园网贷平台对学生贷款的手续要求十分简单，只需要身份证和学生证复印件并填写相应个人学籍信息就可以快速拿到钱，大部分手续甚至完全在线上操作，部分网贷平台需要上传一段本人手持证件声明贷款的视频即可。一名学生在被人冒名贷款后询问自己并未拍过声明贷款的视频，也没有签过字，为何网贷平台会发放贷款，得到的答复是“视频中的学生与你长相接近”。由此可见，校园贷款中几乎没有对借款人的身份进行核实，这就容易产生骗贷风险。同时，一些学生的个人信息被冒用，在自己毫不知情的情况下背负巨额债务，对受害的学生和家长而言都是一场无妄之灾。此外，一些不法分子还利用校园高利贷骗取学生的财物、保证金，或利用学生的个人信息进行电话诈骗、骗领信用卡等。
催债公司威胁恐吓涉嫌侵权
比起催还信用卡的银行而言，各种网贷公司手段“狠辣”，在学生无法按期还款的情况下，雇佣催债公司去索要欠款，不少催债公司去学校闹事，威胁学生家长，甚至采取打恐吓电话、暴力、拘禁、跟踪等违法犯罪手段进行讨债，搅得学生不得安生。
如果有证据证明催债公司存在电话骚扰、侮辱、恐吓、暴力等行为，则该催债公司已经构成民事侵权，严重的还有可能构成刑事犯罪，受到刑事追究。
我国治安管理处罚法也规定，有多次发送淫秽、侮辱、恐吓或者其他信息干扰他人正常生活以及偷窥、偷拍、窃听、散布他人隐私等行为的，处五日以下拘留或者五百元以下罚款；情节较重的，处五日以上十日以下拘留，可以并处五百元以下罚款。
校园贷款看中超前消费和创业需求
走进很多大学校园，大大小小网贷平台的广告宣传单随处可见，上面清一色地写着“零门槛”、“无抵押”、“最高5万额度”这些比较诱人的字眼，还留有可以咨询的手机号码或QQ号码。这些网贷平台看中的是尚不成熟的大学生对资金的需求：其一，满足旺盛的消费需求，大学生尤其热爱电子产品，追求时髦等，他们也许不能一下子把一部苹果手机的钱给结清，但是每个月用自己的生活费还款问题不大；其二，满足创业需求，大学生创业是非常热门的事情，有的公司就号称是要支持大学生创业，响应相关政策和潮流。在校园里，不少大学生因为父母提供的生活费有限，不可能从银行贷款，这些校园贷款对于刚刚实现独立生活，还没有形成成熟消费观念的大学生来说，是一个不小的诱惑。
借贷细查合同 消费量力而行
加强市场监管和打击力度，固然是治理校园贷款乱象的有效手段，但作为大学生本身也要增强法律意识，树立正确的消费观，量力而行。在面对校园贷款时，要仔细审查合同，注意网贷公司是否正规，贷款合同中是否有过高的利息和违约金约定等问题。在到期无法还款发生催债的情况下，不要听从网贷公司的指令连本带息出具新的欠条，导致利滚利情况的发生。如果对方动用催债公司违法逼债，及时保存证据，依法维权。