IPhone6 274 per month Plus stage? Careful miserably you the campus campus loans high interest rates loan, usury, loan-IT information

Recently, the Henan a university student suicides due to unable to repay hundreds of thousands of Yuan in arrears, put campus network credit has thrived in recent years on the air waves. Yangcheng evening news reporter survey found that college students are staging using the campus credit consumer experience. Staging shopping platform, P2P, and three types of platforms is the main provider of loans of the schoolyard, industry estimates, overall market potential for various types of loans in colleges and universities should not be underestimated. Insiders pointed out that, overall, the campus credit interest rate is relatively high, some platforms at risk reveal problems such as insufficient, check auditing is not strict enough, industry-standard development, current financial education in schools needs to be strengthened.

The maximum amount of 300,000

"IPhone6 Plus 16G, drop 778, activity 5310, for 274 months", "0 interest, 0 fees" ... ... Yangcheng evening news reporter seen in Guangzhou University City, similar to the "spending tomorrow's money today's dream" this installment loans shopping flyers there. Guangdong University of technology, a student surnamed Chen said more such leaflets outside the dormitory and canteen, "said overwhelming, but have recently been cleaned up".

Behind those ads, is a large number of similar to love learning credits, stage music, interesting staging, for all stages, school loans, Pat loan, loan figure of this platform. This platform is mainly dominated by college student customer base through consumer or small cash loans for students staging, staging fees charged or interest earnings. In 2009, China Banking Regulatory Commission issued a notice, expressly requested not to issuance of credit cards to students under 18 years of age. Major commercial banks then stop singling out University students issued a credit card, which gives college students staging platform to grow in soil.

According to yangcheng evening news reporter observed, is currently staging platform provides several major borrowing generally ranges in the thousands of tens of thousands of Yuan, the highest loan amount reached 300,000 yuan. Network found in front of a campus lending platform is displayed on the page, number of platform applications nearly 770,000 people, and scroll to the borrower, the borrower and loan amounts and other information, borrowing from 1000 to 20,000 yuan.

Network loan of home senior researcher Zhang Yexia accept Rams evening reporter interview Shi pointed out that, currently into to campus provides loan products of platform main has three class, a is like staging Le such of focused provides staging shopping of platform, a is put campus network loan as himself important business part of P2P platform, also has a is like Taobao, and Beijing East such of electric business giant its of consumption financial platform.

How does the business model of the campus credit? A P2P platform of Guangzhou yangcheng evening news reporter interview operations director says there are two main sources of profits, a loan for students ' interest, service charges, fees and other revenue, another piece from the movement of commodity prices on the supply side, "General purchase quantity is big on those platforms, you can get discount on the market price from the supplier."

Annual interest rate exceeding 20%

Campus loan product often play the "interest rates as low as 0.99% per month" or even "zero down, zero interest" this stunt, but the actual financing cost is not low.

The P2P company director of operations said, consumption in phases or stages cash loans are generally equal principal and interest repayment, on the surface a month interest principal interest rate is not high, but in fact the principal each month decrease, if converted to monthly income due in principal, the actual annual interest rate "is still high". In some loan platform launched a Samsung mobile phone installment, for example, explosive 5688 Rob price, monthly contributions of $ 293.32, 24 payments, on the surface a month pay "service charge" 56.32, interest only 675.84 Yuan a year, the annual interest rate 11.88%. But because the principal reduction every month, based on the actual cost of capital calculation, capital costs more than 20%.

Network loan of home 2015 years of a copies research report displayed, pure P2P students network loan platform years of borrowing interest rate General in 10-25% Zhijian, installment shopping platform to more high some, most products of years of interest rate in 20% above, "to Le staging, and 99 staging, and staging fan, for representative of staging shopping platform of actual years of interest rate (conversion into matching principal and interest repayment) can reached 35% and the above". Such interest rate even compared with credit card shopping stage, is also much higher, staging periodic repayments current credit card billing rates at 16%. Since last year the Central Bank has cut interest rates, interest rates followed these staging platforms have come down, but still at a relatively high level.

At present, Internet financial were included in the category of private lending, according to the relevant provisions of the Supreme Law, annual interest rates of more than 24% of private lending is no longer protected by law. This means that part of the platform of the campus loan products rates are already beyond the red line.

In Guangzhou, President of the Association of Internet financial Fang Song, campus credit risk disclosure of product can be a perfect place, such as actual cost of funds to inform and remind the repayment risk, default risk, penalty interest, service fees, liquidated damages, late fees, Rush charges, such as is should highlight to the clients.

Regulatory policy is being developed

Considered by some critics, Internet financial began to occupy the University campus to the understandable, but revenue was mainly by parents of college students, overly loose lending constraints tantamount to encouraging of excessive consumption. Campus loans and other loans, it should be a guiding college students to carry out scientific wealth management and consumer platforms, rather than flawed loan financial products. But if college students ' suicide of sin, all comes down to campus loan platform, or even to ban campus lending platform, it is not reasonable nor legitimate.

Fang Songye, campus credits should be split view, like a debt of college students in Henan's case is extreme cases. He suggested that the students in their responsible attitude towards rational consumption, do not blindly.

"But, consider to students groups relative young, similar impulse consumption, and ahead of such beyond himself repayment capacity of behavior occurred, campus loan products in degrees of grasp, and standard of determine aspects does has can perfect of place", party Chung also introduced, currently on Internet financial industry regulatory policy is hold developed, policy introduced yihou local Government to to to regulatory, industry association also can better to to do some industry self-discipline aspects of work.

In addition, Chung said, the current lack of financial education for college students in China are also very, need strengthening, "on the financial front too much emphasis on the protection of college students ' biased, financial products such as loans, student society will access after graduation, in school is necessary to strengthen financial education".

苹果iPhone6 Plus分期每月274元？小心校园贷高利率坑惨你 - 校园贷,高利贷,贷款 - IT资讯

近日，河南一高校学生因无力偿还数十万元欠款而自杀事件，将近年来蓬勃发展的校园网贷推上风口浪尖。羊城晚报记者调查了解到，不少大学生都有使用校园贷进行分期消费的经历。分期购物平台、P2P以及电商三种类型平台是校园贷的主要提供者，业内估计，目前整个高校市场各类贷款潜力不可小觑。业内人士指出，整体来看，校园贷利率比较高，部分平台存在风险揭示不够充分、把关审核不够严格等问题，行业仍待规范发展，当前学校的理财教育也亟待加强。

最高额度30万

“iPhone6 Plus 16G，直降778元，活动价5310元，月供274元”，“0利息，0手续费”……羊城晚报记者走访广州大学城看到，类似于“花明天的钱，圆今天的梦”这类分期贷款购物广告传单不在少数。广东工业大学一位陈姓同学表示，原来在宿舍及食堂外这类传单更多，“可以说铺天盖地，但最近都被清理掉了”。

这些广告背后，是一大批类似于爱学贷、分期乐、趣分期、人人分期、名校贷、拍拍贷、么么贷这类平台的身影。这类平台主要以大学生客户群为主，通过为大学生提供分期消费贷款或小额现金贷款，收取分期手续费或利息盈利。2009年银监会下发通知，明确要求不得向未满18周岁的学生发放信用卡。各大商业银行随后停止针对大学生发放信用卡，这给予了大学生分期购物平台成长土壤。

据羊城晚报记者观察，目前几家主要的分期平台可提供的借款额度大体在数千至数万元不等，最高的一家贷款额度达到30万元。网搜靠前的一家校园贷款平台的页面上显示，平台申请人数接近77万人，并滚动显示借款人、借款人学校及借款金额等信息，借款额度从1000元至2万元不等。

网贷之家高级研究员张叶霞接受羊城晚报记者采访时指出，目前进入到校园提供贷款产品的平台主要有三类，一类是像分期乐这样的专注提供分期购物的平台，一类是把校园网贷作为自己重要业务组成部分的P2P平台，还有一类就是像淘宝、京东这样的电商巨头旗下的消费金融平台。

校园贷的盈利模式是怎样的呢？广州一家P2P平台运营总监接受羊城晚报记者采访时表示，主要的利润来源有两块，一块是贷款给学生的利息、服务费、手续费等收入，另一块来自供应端的商品价格差价，“这些平台一般采购量比较大，可以从供应商那里拿到比市面上优惠的价格”。

年利率多超20%

校园贷产品经常打出“利率低至0.99%每月”甚至“零首付、零利息”这样的噱头，但实际的贷款资金成本并不低。

上述P2P公司运营总监表示，分期消费或者分期现金贷款一般是以等额本息的方式还款，表面上看每月还的利息相对本金利率不高，但实际上本金每月在递减，如果换算成每月还息到期还本，实际的年化利率“还是比较高的”。以某贷款平台推出的一款三星手机分期为例，爆抢价5688元，月供为293.32元起，分24期还款，表面上看每月仅需支付“服务费”56.32元，一年利息只需675.84元，年利率11.88%。但由于本金每月都在减少，按实际使用资金成本测算，资金成本超过了20%。

网贷之家2015年的一份研究报告显示，纯P2P学生网贷平台年化借款利率普遍在10-25%之间，分期付款购物平台要更高些，多数产品的年化利率在20%以上，“以乐分期、99分期、分期范等为代表的分期购物平台的实际年化利率（换算成等额本息还款）可以达到35%及以上”。这样的利率水平即便与信用卡的购物分期比较，也高出不少，目前信用卡的账单分期等额本息还款利率在16%左右。虽然去年以来央行多次降息，这些分期平台的利率也跟随有所下调，但整体仍处于比较高的水平。

目前，互联网金融被纳入了民间借贷范畴，根据最高法有关规定，年利率超过24%的民间借贷不再受法律保护。这意味着部分平台的校园贷产品利率已经逾越了红线。

在广州互联网金融协会会长方颂看来，校园贷产品的风险揭示也有可以完善的地方，比如实际的资金成本告知，还款风险、违约风险提醒等，罚息、服务费、违约金、滞纳金、催收费等名目更是应该给借款客户作重点提示。

监管政策正在制定

有评论认为，互联网金融开始抢占大学校园本无可厚非，但面对收入来源主要靠父母的大学生，过度宽松的贷款约束无异于是对过度消费的怂恿。校园贷与其他贷款不同，它本应成为一个引导大学生进行科学理财和消费的平台，而非漏洞百出的贷款类金融产品。但如果因此就将大学生自杀的罪过，全部归结到校园贷平台上，甚至因此要求取缔校园贷平台，是不合理也不合法的。

方颂也表示，对校园贷产品应该一分为二地看待，像河南某大学生欠款的案例只是比较极端的个案。他建议，大学生群体要本着对自己负责的态度理性消费，不要盲目攀比。

“但是，考虑到大学生群体相对年轻，类似冲动消费、超前消费这样超越自己还款能力的行为时有发生，校园贷产品在度的把握、标准的确定方面确实有可以完善的地方”，方颂还介绍，目前对互联网金融行业监管政策正在抓紧制定，政策出台以后地方政府才能着手去监管，行业协会也可以更好地去做一些行业自律方面的工作。

此外，方颂表示，目前国内针对大学生的理财教育也非常欠缺，急需加强，“在金融方面过于强调对大学生的保护有失偏颇，像贷款类的金融产品，学生毕业后进入社会后迟早要接触，在校期间加强理财教育很有必要”。