College secondary boys by 2000, two months after 190,000 yuan-IT information
Hefei a career college read sophomore of boys Kobayashi (pseudonym), into has campus usury whirlpool, its this year September to lending people take has 2000 Yuan money incidental expenses, now just two months time, debt principal and interest snowball general growth has close 100 times times, everywhere labourers of parents pour do home in the savings, also has more than 10,000 more Yuan debt Hou, owes of usury principal and interest still has more than 170,000 more Yuan.
Kobayashi is now afraid to go to school, hiding in home, spirit of the suspected disorder. Because the debt collector who frequent the door, their families can't even go home, only to police.
Kobayashi's school boys dormitory walls, full of loan advertising
Owed loan sharks sophomore boys scared
On November 20, when reporters see Kobayashi in the rail market town, chaohu city, his parents and grandmother, who hide in someone's House, Kobayashi looks look apathetic, unresponsive. According to his father, Kobayashi is not, usually, is a very active person, "because this thing was all aghast, not normal to feel the spirit. ”
From November 13 to begin, and suddenly that the family received a phone call from a small forest, on the phone, he said in a sobbing voice, "I now owe people money or not, not at school to school. "Owed loan sharks were vaguely aware of home talent, rushed to the school to his home.
Uncle Fan Kobayashi told reporters that because the school far from home, usually Kobayashi home about once a month, and family living expenses. In September this year, because I have no money to go home for the day, but the cost of living has gone, Kobayashi told a classmate lent himself used to know 2000 Yuan, "the students out of school now, lending to the people on the outside. ”
Robbing Peter to pay Paul hole larger more up
Kobayashi didn't think he borrowed from classmates you know old 2000 Yuan, will pull myself into a bottomless pit of debt, the more struggling more trapped deep. "For a week, Kobayashi 4000 Yuan on the money or not, his classmates took him to a room, said 4000 bucks not tonight, please don't go. "Mr Fang told reporters that in the evening, the man describes a person, let Kobayashi borrow from him 4000 bucks back myself," he was scared silly, they did not allow him to go back to school, you had to talk to this person borrow 4000 dollars, back to the first one. Then hit the ious, borrow the 4000 or 8000 Yuan, also a week. "Mr Fan said.
Then went for a week, Kobayashi 8000 or not, and was introduced to a third to fourth second creditor creditors, up 8000 Yuan from the other two, back to the second lender, and then with the third to fourth creditors made a promise, lend money after how many days, how many, are all agreed. Kobayashi with the fourth lender borrowed 6000 Yuan, contract 22 days after the return, and 10000. "He accumulated so much debt is robbing Peter to pay Paul. "Fan Mr told reporter, Kobayashi now owes Xia has about 190,000 yuan usury, home people put all savings took out, only more than 10,000 more Yuan, full to he also has debt, now also left 880,000 yuan debt," he this close 200,000 yuan of debt, real take resorted to himself spent of money, on a began that 2000 block money, later take of so more money, are didn't by himself of hand, on directly returned to Shang a any creditors has. "Mr Fan said.
Creditors come DUN, family, police
Kobayashi's parents usually give people work for a living, "the family situation was bad, now owes so much money, what can? "Mr Fan said Kobayashi after coming home from school, brother sister-in-law phone every day got a call from the debt collector," a lot of people threatening does not pay back the money, seeing my nephew to his leg. "Rachel says," November 15, there are more than 10 people to come for the money. Right now my sister-in-law the family which dare to stay at home? ”
By now, Rachel know hiding hiding is not behind us, "some money, let him go proceedings. Anyway, so much money, my brother, sister-in-law and they are in any case might not have played. "At present, the fan made a report to police.
Police was informed that the reporters from the area, has now received the Kobayashi family alarm, is under investigation.
Usury ads everywhere
November 20 morning, Anhui business reported remember came to Kobayashi where of school visits, into campus, left side not distance is a building building students hostel floor, reporter note to, hostel floor near campus main road of side wall body Shang, everywhere that inkjet up of campus loan ad, content are very crude, only wrote has "students loan" little digital, following is contact people last name and phone. Reporters visited dormitories, dormitory walls visible place advertisements on school loans that way.
It is worth mentioning that, contact details for all of these ads are being eradicated, can not see the phone number. According to the guard room of the school staff, the many campus loans are illegal loan sharks, to get students to take the bait, "we see a case of eradication of a case, do not let these ads remains to avoid inexperienced students cheated. ”
A counselor at the school also told reporters that coaches give class students at the class meeting, will stress that the campus credit of great harm to remind students not to be deceived. "But cannot prevent individual students or get into the campus credit from other sources. "The teacher also called on parents, teaching children good money, form the habit of frugality.
Borrow 2000 Yuan a monthly maximum is not exceeded 40
Kobayashi by 2000, for personal use, finally happened to rob Peter to pay Paul until 190,000 yuan debt owed, just how wrong? He was the first foreign debt borrowed from 2000, 1 week up to how much interest? Reporters consulted the Anhui Zhong Tian Heng Zhu Zheng lawyer law firm.
According to Zhu Zheng introduced, according to the new judicial interpretation of China's Supreme People's Court, private loan interest rates there are two bars, one is the annual interest rate of 24%, all no more than the rate of return is legitimate, "that is, borrow 10000 Yuan a year the highest interest rate can not exceed 2400 dollars. "There is a critical value 36% Apr, is regarding the interest rate agreement. If borrowers have to pay back interest higher than the annual interest rate of 24%, but no more than 36%, is also possible, want to return the law does not support. But if you pay more interest than the interest rate of 36%, part of the Court to support its demand the return of more than.
In the case of small forest, he borrowed 2000, highest interest rate cannot be more than 480 Yuan a year, maximum cannot exceed 40 Yuan a month, "to borrow $2000 a week into a 4000 Yuan, is definitely illegal. "Zhu Zheng said through the IOU in the form of take 2000 or 4000, runs parallel to conceal the existence of interest, but if verified, which are illegal for borrowing.
大学二级男生借2千元，两个月后变成19万元 - IT资讯
合肥一职业学院读大二的男生小林(化名)，陷入了校园高利贷漩涡，其今年9月向放贷人借了2000元钱零花，如今刚刚两个月时间，债务本息滚雪球一般增长了接近100倍，到处打短工的父母倾尽家中积蓄，还了1万多元债后，欠的高利贷本息仍有17万多元。
小林如今已不敢上学，躲回家中，精神疑似出现障碍。因为追债人频繁上门，其家人甚至不敢回家，只得报警求助。
小林所在的学校男生宿舍楼墙壁上，随处可见这种贷款广告
欠下了高利贷大二男生吓呆
11月20日，记者在巢湖市栏杆集镇见到小林时，他正和父母奶奶等人躲在别人家里，小林看起来神情漠然，反应迟钝。据其父亲介绍，小林平时完全不是这样的，是个很活泼的人，“就是因为出了这事情，被搞得人都吓呆了，感觉精神都不正常了。”
事情还得从11月13日说起，那天家里人突然接到了小林的一个电话，他在电话里用带着哭腔的声音说，“我现在欠人钱还不上了，不敢在学校里上学了。”家里人才隐约知道了其欠下高利贷的事情，赶紧来学校将他接回家。
小林叔叔范先生告诉记者，因为学校离家远，小林平时一般一个月左右回家一次，找家人拿生活费。今年9月，因为还没到回家取钱的日子，但生活费已经花光了，小林就跟自己以前认识的一个同学借了2000元，“这个同学现在不上学了，就在外面放贷给人家。”
拆东墙补西墙窟窿越补越大
小林压根没想到，他这次向自己认识的老同学借的2000元，会将自己拉入一个无底的债务深渊，越挣扎越陷得深。“到了一个星期，小林这4000元钱还不上，他那同学把他带到一个房间里，说这4000块钱今晚还不上就别走了。”范先生告诉记者，到了晚上，该男子介绍了一个人来，让小林找他借4000块钱还给自己，“他当时都吓傻了，对方又不让他出门回学校，就只好跟这个人借了4000块钱，还给了第一个人。当时就打了欠条，借这4000元还8000元，同样是一个星期。”范先生说。
转眼一个星期又到了，小林这8000元还不上，又是被第二个债主介绍给了第三、四个债主，从后两者那里凑了8000元，还给第二个债主，然后分别跟第三、四个债主立下字据，借的钱多少天之后还，还多少，都一一约定。其中小林跟第四个债主借了6000元，约定22天后归还，还10000元。“他这么多债务就是这样拆东墙补西墙积累起来的。”范先生告诉记者，小林现在欠下了大约19万元高利贷，家里人把所有积蓄拿出来，只有10000多元，全给他还了债，现在还剩下十七八万元债务，“他这接近20万元的债，真正借来归自己花费的钱，就一开始那2000块钱，后来借的那么多钱，都没经自己的手，就直接还给上一任债主了。”范先生说。
债主上门催债，家人报警求助
小林的父母亲平时是靠给人打打短工过活的，“家庭状况本来就不好，现在欠了这么多钱，哪里还得上？”范先生称，小林从学校回家后，哥嫂的手机就天天接到追债者的电话，“不少人威胁说再不还钱，看到我侄子就要他一条腿。”范先生称，“11月15日那天，还有十几个人上门来要钱。现在我哥嫂他们一家哪敢在家呆？”
事到如今，范先生知道躲是躲不过去了，“再有人来要钱，就让他走法律程序吧。反正这么多钱，我哥嫂他们是无论如何也还不起的。”目前，范先生已经报警求助。
记者从辖区警方获悉，目前已经接到了小林家人的报警，正在调查处理。
高利贷小广告校内随处可见
11月20日上午，安徽商报记来到小林所在的学校探访，走进校园，左手边不远处就是一栋栋学生宿舍楼，记者注意到，宿舍楼靠近校园主干道的一侧墙体上，随处可见那种喷绘上去的校园贷小广告，内容都非常简陋，只写了“大学生贷款”寥寥数字，下面是联系人姓氏和电话。记者走访了多栋宿舍楼，不少宿舍楼的墙体显眼位置，都有这样的校园贷款广告。
值得一提的是，所有这些广告的联系方式，都被人铲除了，看不出来电话号码。据该校保卫室一名工作人员介绍，这种校园贷款很多都是非法高利贷，是吸引学生上钩的，“我们看到一例就铲除一例，不让这些广告信息存留，以免有涉世未深的学生上当受骗。”
该校一名辅导员也告诉记者，辅导员们平时给班上学生开班会时，都会强调这种校园贷的巨大危害，提醒学生不要上当受骗。“不过不能避免个别学生还是从其他渠道涉足这种校园贷。”该老师也呼吁学生家长，教育孩子形成良好的金钱观，养成勤俭节约的习惯。
借2000元月息最高不超40元
小林借了2000元自用，最后拆东墙补西墙直至欠下19万元债务的遭遇，到底有多离谱？他最先借的那2000元外债，1个星期最高能产生多少利息？记者咨询了安徽中天恒律师事务所朱政律师。
据朱政介绍，按照中国最高人民法院新司法解释，民间借款的利率有两道杠，一个是年利率24%，所有不超过这个利率的收益都是合法的，“也就是说，借10000元钱一年利息最高不能超过2400块钱。”还有一个关键数值是年利率36%，是对于已偿还利息的约定。如果借款人已经偿还的利息高于年利率24%，但不超过36%，也是可以的，想要回来法律不支持。但如果已经偿还的利息超过了年利率36%，法院支持其要求返还超过的部分。
在小林的案例中，他借款2000元，一年利息最高不能超过480元钱，一个月最高不能超过40元，“借款2000元一周变成4000元，肯定是非法的。”朱政称，通过借条的形式，借2000还4000，虽然在明面上掩盖了利息的存在，但如果查实，这也属于违规借贷。