Crazy campus than naked credit credit: video can withdraw RMB? -Campus lending, P2P, college student loans, net loans-IT information

According to the public media, recently, Jilin University students reported the school's Student Union on campus credit account managers and agents looking for students below the line "scalping", resulting in money being cheated. Displayed in the report, "famous credits only need apply online line ... ... Application this afternoon and evening passes, is about four or five hours. Loan amount is 15000, actual loan amount is only a little more than 10,000 yuan. ”

School loan recognized video borrowing, said "is industry minority several through video signed of company one of", while on China business reported reporter response said, "a video on can loan out tens of thousands of Yuan of this claims apparently is very exaggerated of , video just we information validation of means one of, we many wind control module are package in we independent development of ' drops wind control system ' among, including we of facial recognition function, and phone audit process, is we reduced security hidden of effective means. ”

Audit loose long loans

Analysys January 2016, a think-tank report, "according to 2015 2600duowanming student base, staging consumption estimation of 5000 Yuan per person per year, scale of college students ' consumption market can reach billions of Yuan. "In such a market scale, multiple campus lending platform to seize the students ' consumer credit market, student loan approval conditions easing, there was even one person the same platform for lending and borrowing by the people on multiple platforms.

School credits according to the data provided, 2013 launch date, school loans has more than 1 million users, size of more than 3 billion yuan.

Campus loans perform more than one student loan company's business promotion in the industry is called "campus proxy", they have held more than one campus credit lending channels known as "cuts". Campus credits in the public media in the near future scalping incidents, was lying to students through the "campus agent" under the guidance of the platform in a different campus credit (that is, "find") apply for multiple loans, after borrowing in the different channels to obtain loans, new or old, repayment of previous loans installment billing.

Press random search revealed, through channels such as microblogging, school loans stuck, there is more than one campus agent release "second generation, multiple hole" and other related information, content with a "school credits 123N pad, the fastest two-hour" and so on to recruit students.

Certain information and content displayed, "has been ￡ Nono school loans Bachelor degree students, normal payment number greater than or equal to 3 times, remaining repayment amount 10000 Yuan (master degree or above may be appropriate to relax the conditions) remaining payments specialist about 5000 Yuan, or you can do the second specialist second don't look at how many times! ”

"Campus proxy" can hold more than one "cut" to recruit students, mainly due to lending platform for the borrowers ' borrowing needs audit loose lending needs.

According to the prestigious loan borrowing process displayed by all parties, "our message verification process is completed online, borrowers are required to complete authentication, school certification, family contact verification, card authentication, and students face pattern recognition, certification, network video contract, no perception credit judgment, information telephone audit and other review process."

Journalists in accordance with school loans website release process practice of borrowing, has completed school certification and registration, loan application, fill out a perfect family and friends and bank card information, the entire process can be completed online registration, finally recording a video is submitted for approval to wait for lenders by.

According to public reports, "Liang MOU (campus agent) help me (the borrower) finished filling out all the information I read some famous loan words, recorded on video in order. ”

For this class through campus agent assist borrowing people borrowing, even in multiple channel bulls borrowing of situation, school credit face reporter said, school loan line Xia promotion no through "campus agent" of way for, and said, "we clearly to against with sales assessment nature of intermediary agent behavior, this sales way will directly led to user needs was excess zoom even nothing, and bulls borrowing behavior. ”

Meanwhile, school loan says offline promotion is mainly dominated by brands, mainly in the form of campus club activities sponsored by campus volunteer sponsor of such activities and organizations, career guidance, and push activities did not involve commercial activities.

Scalping industry chain

Display in the report, campus lending agents under the line through scalping, the college students to "outreach" on behalf or employ part-time students, purchases and installment loans in staging platform for "insiders" scalping, every single give hundreds of rewards. In accordance with hiring commitments, students help lend money will be on time.

According to the report, how late students not receiving repayment of money, can only pay in each phase. Student loans obtained on different platforms, most campus agent away.

In the scalping industry chain, the agent is one of the most important part of the campus, campus agent also has the difference between top and bottom line.

Hebei province science and Technology University in Beijing, told reporters, "University student groups have been recruiting part-time scalper information when asked to download some software and above to apply for loans, apply for a loan with Alipay to recruiters, will give our hundreds of reward if they can introduce students to come and help him brush single, also will give us a percentage. ”

Public reports mentioned involved students takes a cut, and referrals.

Elite scalping problem under the credit line, "said scalping occur below the line for three main reasons: one is the indulgence of the platform. Part of the platform in order to build better digital marketing to meet investors, condoned and even encouraged acts of scalping; the second is one of the few people motivated by financial gain, earning dirty money; the third was invented and the boom in e-commerce and O2O made scalping pattern, students because common and often participation to assume no risk and so easily deceived. ”

While the other side says, school loan borrowing for scalping has been regulated, once a potential major loan fraud is discovered, school loan risk control team will be the first time to the seat of the borrowing student field research analysis and judgment.

For multiple campus agent to various name attract students application bulls borrowing, even brush single of situation, school loan aspects said, "We also note to this situation, and compared in-depth to understand had, by verified, is some personal intermediary, and social intermediary, and even cheats using students think campus loan are has agent of illusion, drill school loan no official agent of loophole, playing with ' school loan campus agent ' of banner according to school loan products of design, using information not peer of way cheat has borrowing needs of students. For behavior related to these intermediaries, law can't touch, we now use Add Reminder on the products side, and remind them when in the telephone audit approach, try to avoid the user is deceived. ”

比裸贷还疯狂的校园贷：开视频就能提现万元？ - 校园贷,P2P,大学生贷款,网贷 - IT资讯

据公开媒体报道，近日，吉林某高校学生举报，该校学生联合校园贷客户经理及线下代理商找学生“刷单”，导致学生钱财被骗。在报道中显示，“名校贷只需要网上申请就行……下午申请的，晚上就通过了，也就四五个小时左右。贷款的金额是15000元，实际贷出的金额只有1万元多一点。”

名校贷认可视频借贷，表示“是业内少数几家通过视频签约的公司之一”，同时对《中国经营报》记者回应表示，“一段视频就能贷出上万元的这种说法显然是非常夸张的，视频只是我们信息验证的手段之一，我们许多风控模块都封装在我们自主研发的‘水滴风控系统’当中，包括我们的面部识别功能、电话审核流程等也是我们降低安全隐患的有效手段。”

审核宽松多头借贷

易观智库2016年1月报告显示，“按照2015年2600多万名在校生的基础、每人每年分期消费5000元估算，大学生消费市场规模可达千亿元。”在这样的市场规模下，多个校园借贷平台为抢占大学生消费信贷市场份额，对学生借款审核条件宽松，甚至出现一人在同一平台多次借贷，一人在多个平台借贷的情况。

名校贷提供的数据显示，2013年上线至今，名校贷已拥有超过100万用户，待收超过30亿元规模。

校园贷业内执行多个大学生贷款公司的业务推广的人被称为“校园代理”，他们手头握有的多个校园贷借款渠道被称为“口子”。在近期公开媒体报道中的校园贷刷单事件中，被骗学生可以通过在“校园代理”的引导下，在不同的校园贷平台（也即“口子”）申请多次借款，在不同的借款渠道获得放款后，借新还旧，用以偿还此前的借款分期账单。

记者随机搜索发现，通过微博、名校贷贴吧等渠道，有多个以校园代理的身份发布的“二次代还，多个口子”等相关内容的信息，内容都以“名校贷123N次垫还，最快二小时”等内容招揽学生。

某信息内容显示，“已经做过诺诺镑客名校贷的本科及以上学历的在校大学生，正常还款次数大于等于3次，剩余还款金额10000元左右（研究生及以上学历可适当放宽条件）专科剩余还款金额5000元左右的，也可以做二次，专科二次的不看还了多少次！”

“校园代理”们之所以可以手握多个“口子”招揽学生，主要原因在于放款平台对于借款人的借款需求审核宽松，放款便捷。

根据名校贷方面提供的借款流程显示，“我们的信息验证过程都在线上完成，借款人需要完成身份认证、学籍认证、家庭和同学联系人验证、银行卡认证、脸纹识别、视频签约、无感知认证、网络信用分判断、电话审核等多步骤的信息审核流程”。

记者按照名校贷官网公布的借款操作流程实际操作，在先后完成学籍认证和注册、提出借款申请、填写完善了家人好友及银行卡信息后，整个过程可通过网上填写注册，最后录制一段视频提交审核等待放款通过。

而根据公开报道显示，“梁某（校园代理）帮我（借款人）填写完了一切信息，我自己念了一段名校贷给的文字，录成视频就办妥了。”

对于此类通过校园代理协助借款人借款，甚至在多个渠道多头借款的情况，名校贷方面对记者表示，名校贷线下推广没有通过“校园代理”的方式进行，并表示，“我们旗帜鲜明地反对带销售考核性质的中介代理行为，这种销售方式会直接导致用户需求被超额放大甚至无中生有，以及多头借贷行为。”

同时，名校贷方面表示，线下推广方式主要以品牌活动为主，主要形式包括校园社团活动赞助，校园公益类活动赞助和组织，开展创业指导等，并不涉及有商业行为的地推活动。

代还刷单成产业链

在公开报道中显示，校园借款的线下代理商通过学生刷单，学院学生会以“外联”名义或者招聘兼职学生，在分期购物和分期贷款平台为“内部人员”刷单，每单给予同学几百元酬劳。按照招聘承诺，学生帮忙贷出的钱会被及时还上。

根据报道显示，多位学生后期收不到分期还款的钱，只能自己每期偿还。而学生在不同平台获得的贷款，大部分被校园代理拿走。

在刷单产业链中，校园代理是其中最重要的一环，校园代理中也有上下线之别。

河北省某科技学院学生对记者表示，“学生兼职群中一直有招聘兼职刷单员的信息，去了之后要求下载一些贷款软件，然后在上面申请借款，申请下来的借款用支付宝转给招聘者，会给我们几百块的酬劳，如果自己能介绍同学过来帮忙刷单，也会给我们提成。”

公开报道提到，涉及其中的学生可以抽取提成，再发展下线。

名校贷方面对线下刷单问题表示，“线下刷单情况的出现主要有三方面原因：一是平台的放纵。部分平台为了造出更好看的营销数字，迎合投资人，纵容乃至鼓励刷单行为；二是少数人利欲熏心，赚黑心钱；三是电商和O2O热潮发明和造就的刷单模式，同学们因为常见甚至经常参与，从而想当然地认为没有什么风险，进而轻易上当受骗。”

同时对方表示，名校贷对于借款刷单一直在进行规范，一旦发现潜在重大借款欺诈行为，名校贷的风控团队会第一时间赶赴借款学生所在地进行实地调研分析和判定。

对于多个校园代理以各种名义招揽学生申请多头借款，甚至刷单的情况，名校贷方面表示，“我们也注意到这个情况，而且比较深入地了解过，经查实，是一些个人中介、社会中介、甚至骗子利用学生认为校园贷都有代理的错觉，钻名校贷没有官方代理的空子，打着‘名校贷校园代理’的旗号根据名校贷产品的设计，利用信息不对等的方式欺骗有借款需求的大学生。对于这些中介的相关行为，法律手段无法触及，我们目前采用在产品端添加提醒，并在电话审核时进行提醒的方式，尽量避免用户上当受骗。”