Campus loan difficulty and lost money loan-IT came too easy-campus information
In almost three years, college student Wang NOK Kaew (not his real name) lives revolve around school loans, debt, debt, debt and more debt, the days like a gyroscope-like again and again.
"Ambitious age that could fix everything, but everything got messed up. "Wang NOK Kaew in a forum to knock such a Word, and he hoped that their experiences will alert those who was overdraw of credit students," I would not choose a humbled deaths, will not continue to get involved in college student loans. ”
Starting from victims of the initial loan was involved in campus, and then make your own campus agent for student loans, Wang NOK Kaew "when she is into" four words to describe their troubles, every day for three years, he didn't completely catch a bite without the pressure of gas, every minute weight as mount Tai.
In deep
Journalists saw Wang NOK Kaew a University in Changchun City, in this interview, he went to school the previous day after farmers ' market to buy a set of clothes add up to no more than 110 Yuan. Since something owed to loan sharks by their parents to know, his life became increasingly tight.
From 13 to 14, Wang NOK Kaew just entering college soon, in these two years, also with the staging of the scenes of the campus market is College when staking, pushed people everywhere on campus and a stack of leaflets, people asked, "classmate, you need a loan? "Now known stages of music, interesting stage represented by the campus stage platforms and campus credit of P2P lending platform is represented in this two years have sprung up in the campus to take root.
Wang NOK Kaew lending platform to borrow money for the first time the reason is very simple, "freshman year, when talking about love, too expensive. "Netizens met through a social networking software, he was able to successfully take on loans borrowed by 3000 Yuan.
Largely only in 1800, not squandered by Wang NOK Kaew in several days. At that time, friends commitment also just signed a agreement, minus a small fee and service fees, borrowing money does not have to be repaid in the platform. Driven by vanity, green did not think Wang NOK Kaew signed this agreement gives him great trouble in future.
About a few months later, development of the deviating from the Wang NOK Kaew control range.
So-called agreements will become a dead letter, follow the, is was lend urgency for overdue payments platform prosecution required to pay so-called 4000 RMB withdrawal fee, plus take 3000 Yuan and late fee before more than 3,000 yuan, Wang NOK Kaew after total loan platform more than 10,000 yuan.
Time didn't take so much money as Wang NOK Kaew wit of the debtors. "Borrowed 10,000 of usury, for seven days, interest of up to 3000, but can not take so much. "Wang NOK Kaew bitterly told reporters.
In order to make up the hole of 13,000 yuan, Wang NOK Kaew has to go to a school near the small loan companies borrowed 10,000 again, plus the campus some of the deposit agent at hand, usurious money settled.
For Wang NOK Kaew, however, campus loans this fall is the nightmare has only just begun. Because of the loan for the first time, will have a second and third time ... ... Wang NOK Kaew's own words, "like it was possessed with the devil, day by day, constantly borrowing money to fill a hole in front. ”
Usurious loan repayment term is divided into 7, 15, and 20 days. To borrow 10,000, for example, interest is generally up to 3 margin, that is, to this with interest payment daily even 13,000 yuan, late is better. If there are loan sharks record second usurious interest up to 4 margin.
More poke hole larger microfinance company in the case of learned that Wang NOK Kaew can't afford, he "suggested" he went to campus stage platform cell phone cash trades.
The winter of 2014, small loan company for the Wang NOK Kaew operations favorably in phases, respectively, for all stages, Gecko staging the three stages buy 16G Apple platform 61 6plus part 61 and 128g Apple, 16G apples, then half the phones at below-market prices to resell to mobile phone operators, so as to get cash.
In the audit threshold, campus staging platform only require students to upload ID card, student ID, network accounts, leaving phone numbers of parents, students and teachers, and back end platforms, an iPhone can be made. Back in General will ask three questions, "am I? "" If I borrow money? "" How much money each month? ”
"Now the audit just added a program for recording video, attached below I confirm that during the XX XX platform borrowing words. "Wang NOK Kaew said.
After we finished our three mobile staging, Wang NOK Kaew thought before loans, loans company boss has an extra 2000 late fee. "When sophomore summer ending go back to school, 2000 changed to 9,000, I was pulled by 9,000, the boss of a lending company of principal but even with interest of 10,003 usury. ”
Addiction
Term Wang NOK Kaew was introduced as a school loan company's agent. After acting on, Wang NOK Kaew on not only the previous arrears, also found a "rich" way.
Wang NOK Kaew claimed to be secondary students agency than borrowing direct contact intermediaries at the student level, his role is to connect level intermediaries and cash loans to students for staging platforms, money lending companies, loan trader mobile phones businesses and professional networks. Of the local microfinance companies have their own principles: three of the four bad loans of not doing the NPA does not do. Wang NOK Kaew also have their own red line: their school does not do.
"Each made a deal, I will be pumped into the 200-500 range, is not too much. "Wang NOK Kaew said," doing well at least one thousand or two thousand a month, more than tens of thousands, are also possible. ”
Wang NOK Kaew also disclosed to reporters, small loan company from contracts, to borrow only a blank IOU reads names and the loan amount, interest and late fees are small-loan company in charge.
In three years, Wang NOK Kaew under projections, he earned fifty thousand or sixty thousand, except part used to pay down debt, the rest were squandered not left anything.
In order to eat a spicy soup of more than 10 dollars, he took dozens of taxi fares back and forth with his girlfriend, just because people say good. He did not go to class, the roommate and his roommate's almost strangers, "boring when you can eat 6 or 7 times a day. ”
Money too easy to let Wang NOK Kaew soon lost its mind. One day Wang NOK Kaew purchased a set price 2500 Asustek, a month later, he had no reason to 800 Yuan will this computer out.
After handling the many student loans, Wang NOK Kaew summarizes the characteristics of these students: "big easy to cheat, College loans up to the junior began to pay his debts. ”
Break
Campus loans this road into a three-year Wang NOK Kaew has not wanted to understand what is loan to meet.
Wang NOK Kaew told reporters, outside the monthly interest rate on some platforms in the setting which runs parallel to, and also add a percentage service charge and a deposit, security deposit deducted from the loan, and once failed to repay past due, liquidated damages and penalty interest rate is very high. Therefore, even if the initial loan amount is not very high, if cannot repay, final principal plus interest, penalties, fees and penalty may be a lot of money.
Reporters learned through a query, similar to love learning credit, excellent staging, Nono pounds the P2P loan of campus network registration process is simple, just run the business registration and a letter to departments for the record, began to engage in net loan business. Within the scope of industrial and commercial registration and free loan business, so the net credit is a service company and the students signed management contracts, is not a contract of sale or loan contract.
According to the school's reputation, credit, two of up to 20,000 yuan, three schools, a school may reach 40,000.
Staking P2P platforms only need ID cards, network information, student ID, phone number, give loans, some platform for rapid development at any cost.
In early March, Henan Zheng Dexing betting embroiled in campus loans of money and left this world in a decisive way. Wang NOK Kaew heard this very touched, he tried to sit on the roof to feel Zheng Dexing feeling at that time.
At that moment, more should be relieved. He thought of the winter of 2015, his high school classmate because debt, end up in a jumping manner.
Wang NOK Kaew have never believed that, in addition to name and student network accounts are not the same, Zheng Dexing 40 borrowing record is a school, a Department and why the same face will also be the Platform approved?
Wang NOK Kaew said: "some say lending platform is a victim, that review limit for these platforms can you go a little lower? So obvious gaps make the mind yet but it happened that children drilled loopholes with ulterior motives. ”
In the eyes of Wang NOK Kaew, Zheng Dexing debt jumping from one thing, there are no winners, only the shedding of blood.
After a violent collection of usury event in, oath and more determined Wang NOK Kaew loans break the heart of the campus.
"Lake not mixed well, money is not earned. ”
Reporters saw on the Internet exposed school loan for parents to see the Internet nude photos incident, learned of their children is in a credit crisis on campus. Some parents said, in helping kids platform arrears, arrogant tone, contains detailed explanations of compound interest, to debt, "and no different than seen in the movie underworld. “
Reflections
On one side is not beyond diary, one side is a dream for a horse. When the University no longer purely without want nothing of the past, presence of natural capital and commercial reasons.
However, after years of aggressive growth, school loans, "the tide receded, nude bathing is now." On campus credit markets high quality customer base has been repeated excavation context, risks of excessive credit risks continue.
Campus loans raised a range of issues, in April this year, the Ministry of education and China Banking Regulatory Commission jointly issued on campus bad debt risk prevention and education work notice (hereinafter referred to as the notice) to increase bad loan supervision, establish campus bad credit daily monitoring mechanisms.
On August 24, the CBRC credit information agency on the network news conference concerning the situation of the interim measures for the management of operational activities, the current campus credit "stops, moves, and finishing, teaching," five-word policy, stop collection involving violence, the granting of loan sharking and other illegal businesses, suspended. Moved, in accordance with the provisions on the administration of transfer of relevant departments whole, improvement of memory operations, strengthening education and guidance.
Someone commented that campus credits the best of times, has passed.
Analysys think-tank published 2016 China campus consumer market research report showed that school spending this year will usher in a period of rapid development of financial markets, the market size of up to billions of Yuan of magnitude, more competitive platform.
Many campus credit are seeking to transition.
After the transformation, campus credit home is light or dark, everything is unknown.
校园贷款的困顿与迷失：钱来的太容易 - 校园贷款 - IT资讯
差不多快三年的时间里，大学生王诺（化名）的生活都围绕着校园贷款展开，还债、欠债、再还债、再欠债，这种日子似陀螺般周而复始。
“在雄心勃勃以为能搞定一切的年纪，却偏偏把一切都搅得一塌糊涂。”王诺曾在某论坛敲下了这样一句话，他希望，自己的经历能警醒那些正在透支信用的大学生们，“我不会选择憋屈的死亡，也不会继续涉足大学生贷款。”
从最初被卷入校园贷款的受害者开始，再到后来自己做校园代理给学生办贷款，王诺用“遇事则迷”四个字来形容自己的烦恼，三年来的每一天，他都没办法彻底喘上一口没有压力的气，分分秒秒如泰山重压。
深陷
记者在长春某大学城见到了王诺，为了这次采访，他在前一天特地去了学校后面的农贸市场买了一套加起来不超过110元的衣服。自从欠高利贷的事情被父母知道后，他的生活日益变得拮据起来。
13年至14年间，王诺刚迈入大学不久，这两年，也是以校园场景为主的分期市场正在高校跑马圈地之时，随处可见校园地推人员手拿一沓宣传单，逢人就问，“同学，你需要贷款吗？”现在被大家熟知的分期乐、趣分期为代表的校园分期平台以及以校园贷为代表的P2P贷款平台都是在这一、两年间如雨后春笋般在校园扎根。
王诺第一次选择去贷款平台借钱的理由很简单，“大一的时候谈了场恋爱，太烧钱了。”通过一款社交软件上认识的网友，他得以成功地在拍来贷上借到了3000元。
实际到手只有1800元，不出几天就被王诺挥霍一空。当时，网友承诺，只要签订一份免还协议，扣除一点手续费和服务费，在平台上借的钱就不需要还了。在虚荣心的驱使下，涉世未深的王诺想都没想就签下了这份在日后给他带来巨大麻烦的协议。
约莫过了数月之后，事态的发展偏离了王诺的掌控范围之内。
所谓的免还协议变成了一纸空文，随之而至的，是因逾期未还款而被拍来贷平台起诉需要交纳所谓的4000元撤诉费，加上之前借的3000元以及逾期费3000余元，王诺前后一共需要还贷款平台1万多元。
一时间根本拿不出这么多钱的王诺在一筹莫展之际想到了高利贷。“借了一万的高利贷，七天还，利息高达3000元，不过当时也顾不了那么多了。”王诺悻悻地对记者说道。
为了补上这1万3千元的窟窿，王诺不得不去了学校附近的小额贷款公司再次借了一万，加上手头做校园代理的一些存款，高利贷的钱算结清了。
然而对于王诺而言，这场坠入校园贷款是非之噩梦才刚刚开始。因为有了第一次贷款，就有第二次、第三次……用王诺自己的话来说，“那段时期就跟魔鬼附体一样，过一天算一天，不断的借钱去补前面一家的窟窿。”
高利贷的还款期限分为7天、15天和20天。以借一万为例，利息一般都达到3毛利，即到了还款日需连本带利还1万3千元，逾期则更高。如果有借高利贷的前科，则第二家高利贷的利息甚至达到4毛利。
窟窿越捅越大，小额贷款公司在得知王诺还不起钱的情况下，便“建议”他去校园分期平台做手机套现的交易。
2014年冬天，小贷公司为王诺操作，分别从优分期，人人分期，壁虎分期这三家分期平台上买入16g苹果6一部、16g苹果6plus一部以及128g苹果6一部，再将手机以低于市场一半的价格倒卖给手机商户，从而套取现金。
在审核门槛上，校园分期平台仅仅要求学生上传身份证、学生证、学信网账号，留下家长、同学以及老师的电话号码以及最后平台的回访电话，一部苹果手机就能到手了。回访电话里一般会问三个问题，“是不是本人？”“是不是本人借钱？”“每个月还多少钱？”
“现在的审核机制仅仅加了一个录制视频的程序，下面附上本人确认在某某平台借款XX元的一句话而已。”王诺说道。
做完三个手机分期后，王诺本以为能还上之前的贷款，可贷款公司老板却额外多出了两千的逾期费用。“大二暑假结束回学校的时候，两千变成了九千，我又被贷款公司的老板拉着借了九千本金但需要连本带利还一万三的高利贷。”
上瘾
大一下学期，王诺经人介绍作了一家校园贷款公司的代理。做上代理后，王诺不但还上了之前的欠款，还找到了一条“致富”路。
王诺声称自己是二级大学生中介代理，相比直接接触借款学生的一级中介，他的作用就是连接一级中介和贷款给学生的现金分期平台、高利贷公司、手机商户以及专业的网络贷款操盘手。本地小额贷款公司有自己的原则：专三本四不好贷款的不做，警校的不做。王诺也有自己的红线：自己学校的不做。
“每做成一笔交易，我会从中抽成200-500元不等，也不算多。”王诺说道，“做的好的话每月少则一两千，多则上万也是有可能的。”
王诺还向记者透露，小贷公司是没有合同的，来借钱的学生只有一张空白欠条，上面写着姓名以及借款数额，利息以及逾期费用都是小贷公司说了算。
三年来，王诺大致推算了下，他挣了有五六万，除了一部分用于还债，剩下的都被挥霍地分文不剩。
为了吃一顿十几块钱的麻辣烫，他带着女朋友花了几十快的打车费来回，仅仅是因为别人说好吃。他不去上课，同寝室的室友和他几乎形同陌路，“无聊的时候一天可以吃6、7顿。”
钱来的太容易很快让王诺迷失了心智。有一天，王诺购买了一台原价2500元的华硕电脑，一个月后，他毫无理由地以800元将这台电脑出手。
经手过很多来贷款的学生后，王诺总结出了这些学生的特征：“大一的好骗、大二贷款最多、到了大三就开始还债了。”
决裂
在校园贷款这条道上混迹了三年的王诺始终也没有想明白贷款满足了什么。
王诺向记者透露，有些平台在设置明面上的月利率外，还增加一定比例的服务费和押金，押金从贷款中扣除，而一旦逾期不能还款，违约金与罚息的比例也非常高。因此，即使最初的贷款数额并不很高，如果出现不能按期偿还的情况，最终本金加上利息、罚息、服务费和违约金就可能成为一大笔钱。
通过查询记者了解到，类似爱学贷、优分期、诺诺镑客这种P2P校园网贷的注册流程也较为简单，只需办好工商登记和向工信部门备案，就开始从事网贷业务了。工商登记的经营范围内并无网贷的业务，因此，网贷公司与学生签下的是服务管理合同，并非买卖合同或者借贷合同。
根据学校的知名度，贷款额度不一，二本、三本学校一般最高2万元，一本学校可以达到4万。
P2P平台跑马圈地，只需要身份证、学信网信息、学生证、电话号码，就给放款，有的平台为了高速发展不计代价。
3月初，河南大学生郑德幸因赌球深陷校园贷巨款而以一种决绝的方式离开了这个世界。王诺听到这件事后触动很大，他尝试坐在天台上去体会郑德幸当时的心情。
那一刻，更多的应该是如释重负。他想到了2015年冬天，他的高中同学也是因为欠债，以跳楼的方式结束了生命。
王诺一直不相信，除了姓名和学信网账号不一样，郑德幸四十次的借款记录都是一个学校、一个系以及同一张脸为什么还会被平台审核通过？
王诺说：“有人说贷款平台是受害者，那这些平台的审核下限还能再低点吗？这么明显的漏洞让心智未定却偏偏别有用心的孩子钻了空子。”
在王诺眼里，郑德幸负债跳楼一事，没有赢家，只有血淋淋的事实。
在经历了一场高利贷暴力催收事件后，更加坚定了王诺誓与校园贷款决裂之心。
“江湖没有那么好混，钱也不是这么赚的。”
记者也在网上看到有家长在看到网上曝出校园贷款裸照事件后，才得知自己的孩子也陷入校园贷危机。有家长称，在帮助孩子还平台欠款时，嚣张的语气、利滚利的招法、要债的方式，“和电影中见过的黑社会没有什么区别。“
反思
一边是莫欺少年穷，一边是以梦为马。当大学不再如往日纯粹得无欲无求，自然就给了资本和商业进驻的理由。
然而，经过数年野蛮生长的校园贷，“大潮退去，裸泳者现”。在校园信贷市场的优质客群已经被重复发掘的背景下，过度授信带来的风险隐患不断。
针对校园贷引发的一系列问题，今年4月，教育部和银监会曾联合下发《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》（以下简称《通知》），要求加大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。
8月24日，银监会就《网络借贷信息中介机构业务活动管理暂行办法》有关情况召开新闻发布会表示，目前对校园网贷采取“停、移、整、教、引”五字方针，停，对于涉及到暴力催收、发放高利贷等违法违规业务，进行暂停。移，按照管理规定移交相关部门；整，整改存量业务；加强教育、规范引导。
有人评论称，校园贷最好的时代，已经过去了。
而易观智库发布2016《中国校园消费金融市场专题研究报告》显示，今年校园消费金融市场将迎来高速发展期，市场规模可达千亿元人民币量级，各平台竞争更加激烈。
不少校园贷都在谋求转型。
转型之后，校园贷的归途是光明还是黑暗，一切都是未知。