Campus credit turmoil-prone students borrowed 3500 Yuan to buy a mobile phone to the 100,000-student, Web credits-IT information
"Living out, don't want to ask my parents. "In June this year, junior Sun Yixuan and friends go out to travel, no money spent, distressed when a friend introduced through interesting installment loans 2000 Yuan. Sun Yixuan said request is divided into 9 months for repayment, interest received a total of more than 200 Yuan. "I'm going through part-time jobs, send flyers to earn extra money. "When you talk to the loan, Sun Yixuan kept shaking my head and sighing.
In recent years, with the popularity of Internet banking, Internet personal installment loan business College popular among college students. Strong consumer demand and no fixed-income college students, using "campus loan" loan is easy, fast and low threshold. Reporters visited several universities and found that advertisements on campus filled with all kinds of loans, "our small loans quickly and safely, with the loan with loans, lenders of the day, personal information is kept strictly confidential. ”
Frequent bad loan mess on campus
Similarly, Liu Chen of Shanxi University, broke my phone, afraid to tell family members, through an online lending platform for loans, "student borrowing, letter of the day, half an hour to get money", Mr Liu told me that loans of more than 3,000 yuan, interest payment more than 300 yuan. Loans are "addicted", had a loan experience, Liu Chen started into a net credit of the abyss. "Living out of to buy something a little more. "Mr Liu says, sometimes lost control of his desire.
Among the victims in numerous campus credits, Sun Yixuan and Mr Liu's experience was "lucky". Recently, many university students unable to repay his debts, "jump" and "suicide" and "organs" and "nude" and other tragedies unfold. For a taste of insider loans, QQ, I enter "student loans", but search hundreds of loan QQ Group. Then I applied for an extra base, marked "student business loans, student loans, students undergo" loan groups, group members up to thousands of people. I found that some QQ Group, 24-hour crowding the screen with all kinds of loans: "loans no upfront. If you are a college student, needed money come to me "," staging music, interesting staging, staging, love learning credits, cash in full, some seconds to "... ...
Subsequently, the man claiming to be a "loan of staff" users send window shake to the author: "do you need a resource? "The man said," sell naked female college students resources, General packaging 30, quality packaging 80. Specify the details, buy quality to normal. "Even the man says:" sell the video and pictures, but contact can provide door-to-door service. "I pretended not to believe, the other side immediately sent some uncensored to the author resource, and in these photos, suspected victims of female college students per capita holding identity cards, the man said:" the resource nearly 1 g, updated every day. "I learned that these female students due to a repayment loan is overdue, forced to call" naked "week and borrowing interest rate as high as 30%. These nude photos as a loan, borrowers say "not out", but I found that online there are a lot of people on Twitter, micro-credit, posted it for sale.
Shortly thereafter, I logged on a loan's official website, Home of "online consultation" enquiry service, 1th, customer service the first question is "how", I quote "undergraduate junior", the service said, "in your case, it can take out a loan of 20,000 yuan. "Customer service," says after go through boilerplate charged 6% fees. "After sending the customer service has been urging the author" my name, phone number, social security number, parents name and phone, bank card number, "and so on.
Why always in college students
In 2015, the credit management research centre at Renmin University publishing the national college students ' cognition of credit research report, the report shows that, at the time of make up for the shortage of funds, 8.77% student loans will be used to obtain funds, net loans accounted for almost half of them. Another survey showed that samples of college students surveyed, nearly 50% of students considered overdue list for future work and life is not serious or don't understand.
Why college students have got? School of psychology, University of London, Dr Chen Zhilin, international education experts said in an interview with the science and technology daily, students likely to be cheated is caused by various reasons. Countries do not have a comprehensive policy of allowing a second child before, many families have only one child, they are surrounded by love grow up, do not know how complex society and the human heart. Children in some cities relatively privileged family conditions, parents focus too much on cultured grade, often neglected children management and financial skills to develop. Some rural children, grew up in a generation to education, they are sensitive to money. Grow up, don't want to ask too many parents ask for working hard to make money the cost of living. When when you have enough money, then choose network this seemingly convenient way of borrowing.
Chen Zhilin said the State also has a lot to do with education and family education. Historically, China's emphasis on quality education and comprehensive development. Many parents traditional thinking that the child if admitted to prestigious universities worry-free. Throughout the educational process, most of the students are intellectually, while in other areas, such as the cultivation of aesthetic education in moral education, including financial intelligence, EQ, are part of the lack of education .
Yuan Lizhuang, Associate Professor Education College of Hebei Normal University told science daily, many college students ' quality of thrift, hard work, consumption is immature. Part of the student competition, pursuit of brand-name bags, designer table. Plus the students ' legal consciousness, social experience, poor resistance to matter, peacockish, impulsive spending. In all sorts of temptations, loans became the most direct channels meet these temptations, but I do not know "naked" campus, such as the loan is actually the essence of loansharking.
How to fight an activist fight
This year April 13, Ministry of education and China silver prison will joint issued has on strengthening campus bad network borrowing risk prevention and education guide work of notification, requirements increased on campus bad network borrowing regulatory efforts, established campus bad network borrowing daily monitoring mechanism, increased students consumption views education efforts, increased financial, and network security knowledge universal efforts, increased students funding credit system construction efforts, help students enhanced financial, and network security prevention consciousness.
Chen Zhilin said the loan cannot repay the tragedy occurred when children and parents cannot be blindly accused, beaten, on the contrary, should be inclusive and encourage children, make sense for children to recognize the social, so that children feel the warmth of home, to help them come out of the shadows. Chen Zhilin said, hope that universities provide some basic survival course, financial lessons, life lessons, basic legal knowledge courses and college students ' psychological health through these courses allows students to fully develop, rather than theoretical, practical.
Constant law firm in Guizhou said Huang Xuehong, low access to campus loan platform is rooted in loans, many lending platforms only need the identity of college students will be able to provide loans. Students encountered this situation, first, should select alarm, let police intervention, on loan platform of qualification, and loan way, and interest rate, for survey, to determine whether has suspected illegal crime of behavior ; second, to school, and family truthfully reaction by encountered of economic difficult, sought relief, avoid produced extreme idea; last, to reduced this species phenomenon, related sector ought to on loan platform strengthening regulatory, avoid students in increasingly growth of consumption needs Xia into abyss, unable to.
Lawyer Zhang Luyu stressed city, in Henan province, students ' rights from the following aspects: according to the relevant provisions of Chinese law, the principal on loans subject to the actual amount received by the borrower, is not entirely dependent on the certificate records. Interest on borrowings, the maximum annual interest rate cannot be more than 24%, the excess could not pay off if scalping was a loan, he does not receive the loan and have to repay the loan, you may be suspected of fraud. Alarm Office and safeguard their own rights and if course, restriction of personal freedom or physical or verbal abuse, even privacy and published it, is illegal, if the circumstances are serious, and may even constitute a crime. Finally, strengthen their awareness of the law, do what involuntary loan.
校园贷乱象频发：大学生借3500元买
手机要还10万 - 大学生,网贷 - IT资讯
“生活费用完了，又不想问父母多要。”今年6月，大三的孙一轩和朋友出去旅游，没钱花了，苦恼之际，经朋友介绍，通过趣分期贷款2000元。孙一轩说，对方要求分为9个月进行还款，总共收取200余元的利息。“我打算通过兼职，发发传单，多挣点钱。”聊到还贷款时，孙一轩不停摇头叹息。
近几年，随着互联网金融的流行，大学生网络分期贷款业务在高校走红。对于有较强消费需求而又没有固定持续收入的大学生来讲，用“校园贷”借款，无疑方便、快捷、门槛低。记者走访了几所大学，发现校园内充斥着各种贷款广告，“本校小额贷款，安全快捷，随借随贷，当天放款，个人信息绝对保密。”
不良校园贷乱象频发
无独有偶，在山西念大学的刘晨，因手机摔坏了，害怕告诉家里人，便通过某网贷平台进行贷款，“凭学生证借款，当天下款，半小时拿钱”，刘晨告诉笔者，贷款3000多元，需支付利息300多元。贷款也“上瘾”，有过一次贷款经验后，刘晨开始陷入网贷的深渊。“生活费用完了，想买的东西有点多。”刘晨称，有时候会控制不住自己的购买欲。
在众多的校园贷受害者中，孙一轩和刘晨的经历还算“幸运”。近日，多地大学生因无力偿还借款，“跳楼”“自杀”“卖器官”“裸持”等悲剧屡屡上演。为一探贷款内幕，笔者在QQ输入“大学生贷款”，竟搜索出近百个贷款QQ群。随后笔者申请加群，标志着“大学生创业贷款、助学贷款、凭学生证办理”的贷款群，群成员高达几千人。笔者发现，这样一些QQ群，二十四小时滚动刷屏着各类贷款消息：“一手放款，绝无前期。只要你是在校大学生，需要钱就来找我”“分期乐、趣分期、优分期、爱学贷，全额套现，部分秒到”……
随后，一名自称是“贷款工作人员”的网友向笔者发送窗口抖动：“需要资源吗？”该名男子称：“出售女大学生裸条资源，普通打包30元，优质打包80元。指定地区详谈，买优质送普通。”该男子甚至表示：“卖的不是视频和图片，而是联系方式，可提供上门服务。”笔者佯装不相信，对方立即向笔者发送部分无码资源，而在这些照片中，疑似女大学生的受害人均手持身份证，该男子表示：“目前资源近1个G，每天都在更新。”笔者了解到，这些女大学生因借款逾期无法还款，被迫要求“裸持”，且借款周利息高达30%。这些裸照作为借款抵押，借款方称“不会流出”，但笔者发现，网上已有不少人在微博、微信、贴吧公开出售。
紧接着，笔者登录某学贷官网，在首页“在线咨询”处咨询了客服人员，1号客服的第一个问题是“学历如何”，笔者报出“本科即将大三”后，客服称“你这种情况，可以贷款2万元。”客服表示，“办理下款后，收取百分之六手续费。”之后，该名客服便一直催促笔者发送“本人姓名、电话号码、身份证号码、家长姓名和电话、银行卡号”等信息。
为什么中招的总是大学生
2015年，中国人民大学信用管理研究中心发布《全国大学生信用认知调研报告》，报告显示，在弥补资金短缺时，有8.77%的大学生会使用贷款获取资金，其中网络贷款几乎占一半。而另一项问卷调查结果显示，在接受调查的高校学生样本中，有近50%的学生认为逾期不还对未来个人工作和生活造成的影响不严重或不了解。
大学生缘何屡屡中招？伦敦大学学院心理学博士、国际教育学专家陈志林在接受科技日报采访时表示，大学生容易被骗是由多方面原因造成的。以前国家没有全面放开二胎政策，许多家庭都是独生子女，他们在爱的包围下成长，不懂得社会与人心的复杂。部分城市孩子家庭条件相对优越，家长在培养时过分注重成绩分数，往往忽略了孩子理财观念和财商能力的养成。而部分农村孩子，在隔代教育中长大，他们从小对钱比较敏感。长大后，不愿意再问辛苦赚钱的父母索要过多生活费。当钱不够花时，便选择网络借贷这种看似便捷的方式。
陈志林还表示，这与国家教育和家庭教育也有很大关系。一直以来，中国强调素质教育、全面发展。但很多家长观念传统，认为孩子只要考上名牌大学就万事无忧。整个教育过程中，学生受到最多的就是智育，而在其他方面，如德育美育包括财商、情商的培养，都是教育缺失的部分。
河北师范大学教育学院副教授袁立壮告诉科技日报，当下许多大学生节俭、刻苦的品质不够，消费观不成熟。部分学生存在攀比心理，追求名牌包、名牌表等。加上大学生法律意识淡薄，社会经验少，对物质诱惑抵抗力差，虚荣心强，容易冲动消费。在种种诱惑之下，贷款就成了满足这些诱惑最直接的渠道，却不知“裸条”等校园贷的本质其实是高利贷。
如何打一场维权仗
今年4月13日，教育部和中国银监会联合印发了《关于加强校园不良网络借贷风险防范和教育引导工作的通知》，要求加大对校园不良网络借贷监管力度，建立校园不良网络借贷日常监测机制，加大学生消费观教育力度，加大金融、网络安全知识普及力度，加大学生资助信贷体系建设力度，帮助学生增强金融、网络安全防范意识。
陈志林称，当孩子发生借款无力偿还的悲剧时，作为家长，不能一味指责、打骂，相反，应该包容、劝慰孩子，让孩子更理智地认清这个社会，让孩子感受到家的温暖，帮助他们走出阴影。陈志林建议道，希望大学里面多开设一些基本生存教育课、理财课、人生规划课、基本法律认知课以及大学生心理健康课，通过这些课程让大学生能够真正全面发展，而不是重理论、轻实践。
贵州恒易律师事务所黄学宏表示，校园贷的根源在于贷款平台的低准入，很多贷款平台仅需要大学生的身份信息就能提供贷款。大学生遇到这种情况，首先，应当选择报警，让警方介入，对贷款平台的资质、贷款方式、利率等进行调查，以确定是否有涉嫌违法犯罪的行为；其次，向学校、家人如实反应所遇到的经济困难，寻求救济，避免产生极端想法；最后，要减少此种现象，相关部门理应对贷款平台加强监管，避免大学生在日益增长的消费需求下陷入深渊，不能自拔。
河南优泽律师事务所张路羽强调道，大学生维权可以从以下方面考虑：根据中国法律相关规定，借款的本金以实际借款人所收到的款项为准，而并非完全依赖于债权凭证上的记载。借款利息，最高年利率不能超过24%，超出部分可以不用偿还；如果因刷单行为被贷款，自己并未收到贷款却要偿还贷款，则可能涉嫌诈骗。要及时报警立案，维护自身权益；若被追债时，存在限制人身自由或者殴打辱骂、甚至将隐私照片公布的情形，则属于违法，情节严重的，甚至可能构成犯罪。第四，加强自身法律意识，量力而行不随意贷款。