Father son credits on campus to give up treatment, clarion call not pie in the sky-campus credits, students borrowed treasure-IT information
The actual loan amount from thousands of Yuan, to compound interest "roll" out of 100,000 debt, poor University students ' day "campus loan" experience is not alone. Yesterday, the sophomore Yue (a pseudonym), mothers call the Chongqing morning post, who over the past semester, because the same "campus loan" has been forced to pay 100,000 yuan for her son. Crazy campus credits, hidden deep in the trap? And in what way, are coming closer to college students, investigated the Chongqing morning news reporters.
Father owed 100,000 loan but gave up treatment
Whirlpool family
"I really can't help you for advice. "Yesterday, 46, Qin Feng at the Shantou Hospital of Chongqing morning news reporters said. He has been told by doctors and must be hospitalized as soon as possible, but after half an hour of wandering in the clinic, his teeth left, decided to forgo treatment. It's all because my son Qin.
From thousands of actual debt, compound interest to snowball, eventually 100,000 yuan in debt, debt was almost pressed poor students ' day a breathless. "We really want to repay the money, but first is not the money, but also more grievances. "Qin Feng said he had heard of usury, but son experienced by these loan platform, came more deadly than usury.
Out of the hospital, called Qin Qin Feng again phone is still the "unreachable". He said, son earn money by selling computers all things, still unable to repay the money, for this run and avoid debt, and family contacts.
An impossible
Just want to own things warn others
From that son borrowed, interest and compound interest to eighty thousand or ninety thousand, Qin feng has tried to move to the campus credit platforms for mercy, "but they told me, you can easily report, feel free to call the media reports, loan contracts were legal. "Qin Feng said only last week, he reported to the police, talked to the China Banking Regulatory Commission and other government departments are being told is not within its jurisdiction.
For the desperate Qin feng, who with each passing day, can feel more rolls of debt he can't catch my breath.
Yesterday, the reporter again when trying to contact day, his phone is always in a State could not be contacted. Worried about her son in order to avoid debt and commit suicide, this is Qin feng's largest concerns.
"The only thing I can do now, is to tell son thing, let us alert, college students don't cheat, don't go astray, not pie in the sky! "When Qin feng says it, breathing heavy, full of anger.
Not alone
Chongqing also vortex of college students
Qin's experience is not alone.
Guy talk in Chongqing, 19 years old, about to enter junior, "campus loans" three words, and still stinging the sensitive nerve for the whole family.
Yesterday, Wu's mother Lady call the Chongqing morning post says that in June 2015, son of loans at many online lending platform, beginning in March of this year, the family received a collection letter from platforms SMS, then forced to for my son to pay now payment of 100,000 yuan. Son going to school, Zhang's biggest worry is that son will go to loan "platform was really too good loans, many students do not know, this easy money, what a nightmare! ”
Online advertising University entrance under the hot line information
"Year begins when the University, these credits on campus most crazy time. "19 year old student Zhang hechuan University sophomore, he told reporters that last September, can just walk up to the gate of the school, loan advocates will be on campus with a thick stack of leaflets to school students.
"No mortgage, no period, sweeping yards to take the money. "In writing disseminated fliers emblazoned with" easy money "slogan. Posters, flyers, campus lending online means a traditional push.
However, in fact, accompanied by Internet-born college student, as long as the Internet through search, paste, QQ Group borrowing information, such as access to the campus network.
Journalists stuck searching keyword "student loans", still can see the 2 million + "student loans" and "student loan" posts. "College students, regardless of College undergraduate education, no early day 3000-easy". Such advertising mass crowd stuck in the University, through simple conversation guide students to download, register the loan app such as Bao, simple and easy to understand.
Private lending group deeper so that more students
As the net credit spread on campus, a large number of "private loans" have emerged. Students who can't afford the loan, under pressure, usually on a "loan repayment" way, that is, "private loans" money to pay gaps in the network platform.
"Can we borrow for your emergency use, to mortgages, computers cell phones can. "University in hechuan district, there is a" private loans "group.
"Private loans" and network platforms do not need mortgages, students charge average of items such as computers, mobile phones, valued at market 60% lenders to borrowers to borrow their platform, once on, return requirements lend it back out "private loans".
It is to this group of college students are introduced and, in addition, "private loans" require the borrower to show their identity card at the time of borrowing, student ID cards and other documents, and leave the parents mobile number and I late forced offline will be used in two ways. Disclosure of student information in the network on the one hand, on the other hand "private loans" have special collection organization in the school, in the school from time to time people plugging the repayment will also contact parents to request money. The "private loans" are also responsible for other services, directly help borrowers in repayment on the platform, charge a fee.
Campus credits sweet trap will be bound
"At present, all calling for management to campus loan issued regulatory policies, increase the intensity of combat. "Chongqing book lawyer Duan Qin said the huge number of college student groups and concentrated, is a consumer-only and no income, financial risk prevention awareness, self-control and lack of credit evaluation groups. Some online lending company dedicated to college students to develop business credit network, consumer credit and other lending business because business development is not standard, to students, parents, schools and the community, a lot of impact. At present, campus credits has attracted regulatory attention. In early August, Finance Office, the Municipal Education Commission, Chongqing, Chongqing, China Banking Regulatory Commission jointly issued a to 8 negative listing listed financial institutions, colleges and universities, standardize campus credits. Campus credit of "honey trap" is bound to be greatly constrained.
Campus loan contract
Lenders there are irregularities
Duan Qin said in the events of the day, lending violations do exist in the process, mainly in private interest when lenders borrowing in the Qin dynasty. Lawyers said this violated China contract law about "loan interest shall be deducted from the principal in advance" provisions.
In addition, the lawyers say, to borrow from the Qin dynasty Bao as lending intermediary platform shall have an obligation to review the qualifications of borrowers, including the information of lenders, anti-fraud measures taken. But due to the current specification of intermediary services have not been officially promulgated, borrow is unable to determine whether treasures should be held legally responsible. Therefore he suggested that the Qin asked Bao provides lenders, loan information, and prosecute lenders of collection actions against their personal interests. It represents, as far as the loan contract, despite the two sides agree on lending treasures of interest does not exceed the annual rate of 24%, but both sides in private loan contract if the contract rate exceeds the annual rate of 36%, the portion of interest agreement null and void. Therefore, Qin Tianke requires lenders to return excess borrowing.
父亲为儿还校园贷放弃治病，疾呼天上不会掉馅饼 - 校园贷,大学生,借贷宝 - IT资讯
从几千元的实际借款金额，到利滚利“滚”出10万巨额债务，贫困大学生秦天的“校园贷”经历并非个例。昨日，大二学生吴越(化名)的母亲致电重庆晨报，他们在过去的一学期里，因为同样的“校园贷”已被迫为儿子还债10万元。疯狂的校园贷，究竟隐藏了多深的陷阱？又是以怎样的方式，在向大学生们步步逼近，重庆晨报记者进行了调查。
欠债十万父亲为儿还贷无奈放弃治疗
旋涡中的家庭
“我也是实在没办法才向你们求教。”昨日，46岁的秦峰在汕头一家医院对重庆晨报记者说。他已被医生告知，必须尽快住院，但在门诊部徘徊了半个小时后，他咬牙离开，决定暂时放弃治疗。这一切都是因为儿子秦天。
从几千元实际欠款，到滚雪球一般的利滚利，最终欠债10万元，巨额债务几乎压得贫困大学生秦天一家喘不过气。“我们真的想还钱，但这笔钱第一实在是还不起，而且也来得冤。”秦峰说，他听说过高利贷，但儿子所经历的这些校园贷平台，比高利贷来得更要命。
走出医院，秦峰再度拨打了秦天的手机，依旧是“无法接通”。他说，儿子现在卖掉了电脑等所有能卖钱的东西，依旧无法偿还欠款，为此东躲西藏避债，与家里也少有联络。
进退无门
只想以自家之事警示他人
从得知儿子借债，并利滚利到八九万的利息，秦峰就一直试图向这些校园贷平台求饶，“但他们告诉我，可以随便去告、随便喊媒体报道，借贷合同是合法的。”秦峰说，仅最近一周，他报过警、找过银监局等政府多个部门，均被告知不在其管辖范围之内。
对走投无路的秦峰来说，他每过一天，都能隐隐感觉到儿子越滚越多的债务压得他快喘不过气。
而昨日，记者再度试图联系秦天时，他的手机始终处于无法联系的状态。担心儿子为躲避债务而选择寻短见，这是秦峰目前最大的担忧。
“我现在唯一能做的，是希望把儿子的事情讲述出来，让大家引起警惕，大学生们别再被骗，别再误入歧途了，天上不会掉馅饼！”秦峰说这句话时，喘着粗气，满是愤怒。
并非孤例
重庆还有旋涡中的大学生
秦天的遭遇并非孤例。
重庆小伙吴越，今年19岁，即将进入大三，“校园贷”三个字，如今依旧刺痛着全家人敏感的神经。
昨日，吴越的母亲张女士致电重庆晨报表示，2015年6月，儿子在很多网上贷款平台上贷款，今年3月开始，家人接到各平台的催款短信，随后被迫替儿子还债，如今已还款10万元。眼看儿子马上要开学了，张女士最大的担忧是儿子会再次去贷款，“有的平台真的太好贷款了，很多大学生根本不清楚，这笔来得容易的钱，会带来怎样的噩梦！”
线上广告火热线下高校门口搞宣传
“每年大学开学时，就是这些校园贷宣传最疯狂的时候。”19岁的张杰是合川某高校大二的学生，他告诉记者，去年9月，只要走到校门口，校园贷的宣传者就会带着厚厚一叠宣传单塞给出入学校的学生。
“无需抵押、无需前期，扫码即可拿钱。”在散发的传单上醒目地写着“轻松拿钱”的宣传语。海报、传单是校园借贷在线下进行的传统地推手段。
然而，事实上，对于伴着互联网出生的大学生来说，只要上网就能通过搜索、贴吧、QQ群等方式获得各类校园网络借贷的信息。
记者在贴吧搜索关键词“学生借贷”，现在依然可看到200万+的“学生贷吧”和“大学生借贷吧”帖子。“在校大学生，无论专科本科成教，无前期，当天3000轻松拿款”。此类广告海量出现在大学生扎堆的贴吧，通过简单的对话引导学生下载、注册借贷宝等app，简单易懂。
私人借贷建群让更多学生越陷越深
随着网贷在校园中遍地开花，大批“私人借贷”也应运而生。还不起贷款的学生，在重压之下，通常会走上“以贷还贷”路子，即找“私人借贷”先借钱去垫付在网络平台上的缺口。
“我们可以借，供你应急用，要抵押，电脑手机都可以。”合川区某高校里，就有这么一个“私人借贷”群。
“私人借贷”和网络平台不一样的在于需要抵押，一般押学生的电脑、手机等物品，按物品市场估价的60%放款给借款人，以供其偿还平台借款，一旦还上，要求其重新贷出来还给“私人借贷”。
据加入此群的大学生们介绍，此外，“私人借贷”还要求借款人在借款时出示身份证、学生证等证件，并留下本人及父母手机号，逾期不还将采用线上线下两种方式逼还。一方面在网络上公开学生信息，另一方面“私人借贷”在学校有专门的催款组织，会在学校不定时堵人要求还款，同时会联系家长要求还钱。该“私人借贷”还负责另外一种服务，就是直接帮借款人在平台上还款，收取手续费。
校园贷甜蜜陷阱必将受约束
“目前，各地都在呼吁管理层对校园借贷出台监管政策，加大打击力度。”重庆洛书律师事务所律师段勤表示，高校学生群体数量庞大而集中，是一个只消费却没有收入、金融风险防范意识薄弱、自控能力较差和缺少信用评价的群体。一些网络借贷公司专门向高校学生群体发展创业信贷、消费信贷等网络借贷业务，因业务发展不规范，给学生、家长、学校和社会造成了诸多不良影响。目前，校园贷已引起监管层重视。今年8月初，重庆市金融办、市教委、重庆银监局联合发文，为金融机构、高校列出8项负面清单，规范校园网贷行为。校园贷中的“甜蜜陷阱”势必将受到极大约束。
校园贷合同
出借方确有违规情况
段勤表示，在秦天的事件中，借贷过程中确实存在违规的情况，主要体现在出借人在给秦天借款时私下扣除利息。段律师表示，这违反了中国《合同法》关于“借款的利息不得预先在本金中扣除”的规定。
此外，段律师表示，向秦天借款的借贷宝作为中介平台，应当有义务审查借贷双方的资质，包括审查出借人的信息，采取反欺诈措施。但由于目前中介业务规范尚未正式颁布，无法认定借贷宝是否应当承担法律责任。因此他建议秦天要求借贷宝提供出借人的信息，并起诉出借人的催收行为侵害其人身权益。其表示，就借款合同而言，尽管双方在借贷宝上约定的利率未超过年利率24%，但双方私下的借贷合同中如果出现约定利率超过年利率36%，超过部分的利息约定无效。所以，秦天可要求出借人返还超额借款。