Campus loan mess: ads everywhere, can upload ID card loans-school loans, net loans-IT information

A few days ago, Xiao Zheng Yin Henan college students indulged in gambling through multiple campuses lending platform for hundreds of thousands of Yuan, ultimately unable to pay jumps. This sparked widespread concern, also made public on "campus loans" whether there should be a discussion. Since 2009, the College student credit card processing to tighten, but under the catalysis of Internet finance through online lending platform on a borrowed thousands of dollars to buy what they want, and amortization is not new. Because students lack of steady income, many loans platform implies a lot of traps, once the wet behind the ears of students with high interest rates, it's easy to rise to social problems.

Advertising all over the campus, even the students are part-time promotion

Suddenly, like a night student loan small ads all over the city in a large College campus. Reporter recently visited the Mountain Division, finance, technology of Shandong Academy of fine art and other universities found that bulletin boards, benches, dormitories and many other places are posted at the gate "student unsecured loans" and "consumer loans" and other ads, the banners above and cheap advertising is very exciting.

According to Xinhua statistics, only within the Shan Qing campus teachers everywhere, students staging of consumer loan-related advertising, there are 15, the total number up to 2,630. These advertisements are posted everywhere, like "love to learn loan", which is a student staging platform also provides small loans, small ads has more than 930. In addition, the State stage, Jingdong financial emblazoned with Le Huahua, have a large number of posters, and private posting small ads, covering student credit loans, business loans, and so on. These ad locations relatively hidden, and some even write with a pen on a door or wall.

"Should be booming since last year. "Mountain Academy Xiao yang, a junior, says," last year of shopping on the main stage, ' interesting staging ' platform to engage in activities, mobile scan codes can spend a penny bought three to five per cent of the developed products, many students have downloaded the software. Shopping and then suddenly felt a campus staging more and more student loans. ”

According to Xiao yang introduced, he frequented street of Changqing university town a clothing store has just changed hands, the original owner think student loan money, it career loan. In addition to the ubiquitous commercials, the Yang side there has been a lot of promoters. "Night class flyers, also surrounded by classmates to do part-time promotion. ”

Can upload ID card loans, without interview

Least thousands of tens of thousands of students Web how easily credits? Reporter Shan Qing campus teachers of local alumni groups and part-time Group sent a message to loan, and pretty soon there are 4 active small window, that can provide loans.

One of them is "Le Huahua" and "fun stage" within the school of Mr Chen. He said, "Le Huahua" loan's slogan is "no interview, no bother," "just need to upload ID card photo, positive opposite photos of themselves, then the App, you can loan, you can borrow up to 10,000. ”

Like "Le Huahua" there "schools credits" in advertising says: don't need too much proof of application forms, procedures, and effective, as long as you provide information only 11 minutes to complete the loan. "I have come across many platforms, there are just ' interesting staging ' need to be signed. "Xiao Chen.

Another song also introduced for the campus loan business, college students if you need to borrow, first of all to provide an ID and student ID cards, after you confirm the student status, there will be a salesman comes to you complete the contract, then lenders. Generally the loan amount in 3000-5000, monthly interest of 1%, you can make a one-time reimbursement or amortization, if repayment on time, also can increase the amount of loans again.

"We and the different institutions as banks, e-commerce, individuals belonging to the network platforms bring together business, signing contracts and sales, even if late, would not affect personal credit record system, pay on the line in a timely manner. "Mr song said, lenders will come when a staff member identified, to prevent unauthorized use of student information, when signing the contract on lending, cash transfers can be.

Interest referred to service fees, there is no clear numbers

Although many platform slogan of making low interest rates or even interest-free, but thin is, shopping on these platforms, and the interest rate is not low.

"Le Huahua" within the school of Mr Chen says, in the "Le Huahua" can loan up to 10,000 on interest decides in accordance with the length of repayment period, the longer the period of repayment of interest higher. If 10,000 dollars in 12 phases, interest from 10% to 11%.

Another loan platform "fun stage", 12 phases take 3000 Yuan, to 33.68 Yuan per month service charge, so interest 404.16 Yuan a year, annual interest rates of about 13.5%. If you chose "love credits", although the play is 3000 Yuan interest-free advertising, but only limited to 6 period, if the borrowing is 12, each month interest 41 Yuan, annual interest for 492 trillion yuan, "fun stage" to nearly 90, the annual interest rate at around 16.4%.

Moreover, interest on both loans are collectively referred to as service fee, and there is no clear public interest. Customer service fee is charged in accordance with different loan amount, term, could not give an exact figure. If the overdue repayment, different platforms are charging late fees, "fun stage" and "love to learn loan" late fee of 1% per day, "the school loan" is 0.5% per day.

According to the into Campbell wealth management report released earlier, 30 university students staging shopping platform, 70% rates is not clear or mark is not clear, after the overdue, demurrage costs up to 10 times times more different platforms.

Don't want to let my family know, loan of 50,000 per annum 15%

To meet the needs of college students ' consumption, also bred many private loan intermediaries, they exploit all loans and cash loans to college students, from which charge exorbitant commissions.

Journalist linked to a named "zero-distance communications-mobile phones purchased in stages" intermediary and that don't want to buy a mobile phone just want cash, he says, you can purchase a corresponding price handset on a platform, then he will take cash to the bank accounts of journalists. Maximum loan 6000 dollars, a 12-month period, a total of 6668, in addition to the Commission to give him 500 dollars. But when a reporter asked when buying a cell phone what to do with, he refused to answer questions.

In order to "quick loans", the reporter also contacted another loan intermediaries, he said as long as the face of the ID card, student ID card, bank card check, when lenders. However, other than interest, paid him an extra fee 10%. "Loan fee discounts, how much money, how much money you make."

Correspondents say 150,000 loan, the broker is given two choices. "Don't want your parents, teachers, guidance counsellors, students know, loans for up to 50,000, so year highs, to 15%, but outside of us and yourself, can guarantee, no one knows, has no relationship with your credit record. ”

The second is, "If you can make people know it, can loan you a hundred thousand of loans, interest is 1.5% per month. "-That is, the loan's annual interest rates of up to 18%.

The Agency said third parties themselves, money from a number of network platforms and lending company. As to what the platform, said he does not say, "when you get the money, we will tell you the money, I can get you to. ”

校园贷乱象：广告满天飞，上传身份证就能贷款 - 校园贷,网贷 - IT资讯

日前，河南一大学生小郑因沉迷赌球，通过多个校园贷款平台借贷数十万元，最终无力偿还跳楼自杀。此事引发社会广泛关注，也让大众对“校园贷”是否应该存在产生讨论。2009年以来，大学生信用卡办理收紧，但在互联网金融的催化下，通过网贷平台借上几千块钱买自己想要的东西，然后再分期偿还早已不是新鲜事。由于大学生缺乏稳定收入，不少贷款平台又暗含诸多陷阱，一旦涉世不深的学生背负高息，很容易衍生社会问题。

广告遍布校园，连同学都兼职推广

忽如一夜间，学生贷款的小广告遍布省城各大高校校园。记者近日走访山师、山财、山东工艺美院等多所大学发现，布告栏、长椅、宿舍门口等很多地方都贴有“大学生无抵押贷款”、“消费贷款”等小广告，上面的宣传标语和低息广告让人非常心动。

根据记者统计，仅在山师长清校区内，随处可见的大学生分期消费与贷款等相关广告，就有15种，总数量高达2630条。这些广告到处张贴，比如“爱学贷”，这是一个大学生分期购物平台，也提供小额借款，小广告有930条之多。另外，邦信分期、京东金融白条、乐花花等均有大量海报，还有私人张贴小广告，涵盖学生信用贷款、创业贷款等内容。这些小广告位置相对隐蔽，有的甚至直接用笔写在厕所门或者墙壁上。

“应该是从去年开始火爆起来的。”山师文学院大三学生小杨说，“去年主要做分期购物的‘趣分期’平台搞活动，手机扫码后可以花一分钱买三块到五块不等的制定商品，很多同学都下载了软件。那时候突然感觉校园分期购物和学生贷款越来越多了。”

据小杨介绍，他常去的长清大学城商业街的一个服装店刚换了主人，原来的老板娘觉得大学生贷款很赚钱，便转行做贷款去了。除了随处可见的广告外，小杨身边出现了很多推广者。“晚自习下课就有发传单的，周围也有同学做兼职推广。”

上传身份证就能贷款，不用面签

少则上千多则上万，学生网贷有多容易？记者在山师长清校区本地校友群和大学生兼职群里发出要贷款的消息，不一会儿有4个人主动小窗，称可以提供贷款。

其中一位是“乐花花”和“趣分期”的校内代理小陈。他表示，“乐花花”贷款的口号是“不面签、无打扰”，“只需要上传身份证正面反面照片还有自己的照片，然后就可以在App上贷款，最多可以贷到1万。”

像“乐花花”一样的不在少数，“名校贷”广告中就指出：不需要繁琐的申请表、手续证明，只要提供学号及个人有效资料，仅需11分钟，即可完成借款。“我接触过很多平台，目前只有‘趣分期’需要面签。”小陈说。

另一位负责校园贷款业务的宋先生也介绍，在校大学生如果需要借款，首先要提供身份证和学生证，确认学籍之后，会有业务员来找你填写合同，随后放款。他们一般贷款金额在3000-5000元，月利息为1%，可以一次性偿还，也可以分期偿还，如果按时还款，再次贷款时还能提高额度。

“我们和银行、电商那样的机构不一样，属于网络平台上撮合的个人业务，合同也是和业务员签订的，就算逾期，也不会影响个人征信系统的记录，及时补交上就行。”宋先生说，业务员放款时会上门确认身份，以此防范学生信息被盗用，到时签了合同就放款，现金转账都可以。

利息统称服务费，没有明确数字

虽然很多平台都打出低利率甚至免息的口号，但是细细算起来，在这些平台上购物和借款的利率并不低。

“乐花花”的校内代理小陈表示，在“乐花花”上最多可以贷到1万，利息按照还款时间的长短决定，还款期限越长利息越高。如果是1万块钱分12期，利息10%到11%。

另一家贷款平台“趣分期”，借3000元分12期，每月要付33.68元的服务费，这样一年还的利息为404.16元，年利率约13.5%。如果选择了“爱学贷”，虽然打出的是3000元免息的广告，但是免息只限定在6期里，如果是12期的借款，则每月需还利息41元，一年利息为492元，比“趣分期”要多近90元，年利率在16.4%左右。

而且，上述两家贷款的利息统称为服务费，并没有明确公开利率。客服称服务费是按照借款金额、期限不同而收取，不能给出确切的数字。如果逾期未还款，不同平台也收取不同的逾期费，“趣分期”和“爱学贷”逾期费为每天1%，“名校贷”则为每天0.5%。

根据融金宝理财此前发布的报告，30家大学生分期购物平台中，七成费率不明确或者标示不清，逾期不还后，不同平台逾期费相差达10倍。

不想让家人知道，贷5万年息15%

为满足大学生消费需求，还滋生出不少私人借贷中介，他们利用漏洞从各个平台贷款和套现，再向大学生放贷，从中收取高额佣金。

记者联系到一个名为“零距离通讯-手机分期购”的中介，并表明不想买手机只想要现金，他表示，可以在某个平台上先购买一部相应价格的手机，然后他会把现金打到记者的银行账户里。这样最高可贷6000块钱，分12个月还，一共还6668元，此外还要给他500块钱的佣金。但当记者问买到的手机怎么处理时，他拒绝回答。

为了能“迅速贷款”，记者还联系了另外一个贷款中介，他表示只要带着身份证、学生证、银行卡面签即可，当天放款。不过，除了利息之外，要额外付给他10%的手续费。“贷得多的话手续费可以打折，想要多少钱，给你做多少钱”。

记者称要贷15万，该中介给出了两种选择。“不想让你爸妈、老师、辅导员、同学知道的话，最多能贷5万，这样的话年利息高点，要15%，但是能保证除了我们和你自己外，没有任何人知道，跟你以后的信用记录也不会有关系。”

第二种是，“要是可以让家里人知道的话，就可以随意贷，你要贷十几万，每个月的利息就是1.5%。”——如此算来，该贷款的年息已经高达18%。

这位中介称自己也是第三方，钱来自一些网络平台和借贷公司。至于是哪些平台，他说不方便多说，“等你拿到钱，我们就会告诉你还钱的方式了，反正都能给你弄来。”