Eventuff1a More than 400 college students borrowed money to buy mobile phones. Huang, who led the case, told reporters that these campus loan disputes were mostly about 7000 yuan for each case. Most of these students are from less developed areas, to universities in Guilin and Jiangxi and Nanchang. During the period, through the 704 school flowers business of a financial investment company in Guangxi, borrowing and buying high-grade mobile phones, and so on, the defendant went to the court for various reasons. After the court was put on file, many of the defendants were refused because of the fact that all the defendants were in the field. In this regard, the judges of the high and new tribunals specially selected 3 cases of the earliest case, and sent letters to the 3 Jiangxi colleges and universities where the accused college students are located. However, when the court was opened, 3 college students did not respond. At present, none of the college students filed for court. According to Huang, according to the law, if the defendant refuses to accept a lawsuit and refuses to respond to a lawsuit in the civil proceedings, the court will default judgment in accordance with the law. In this series of campus loan, both sides have agreed on the breach of contract fees, fees and so on. If the college students involved in the campus loan dispute escape, the court can only hear one face word, which is very bad for the students involved in the case. Therefore, the judge suggests that college students should actively respond to lawsuits. It is the right way to safeguard their rights and interests to attend the court to advocate their rights and to deal with them through consultation and communication. The judge reminding: The risk of campus loan is very high, and the 4 major risks should be beware At present, advanced consumption is popular among college students. It can face the campus loan advanced consumption, but the risk is ignored by many college students. To this end, Huang, who sponsored the case, warned that the risk of campus loan is very high. The 4 risks must be taken care of by college students. Risk one: personal information risk In recent years, the net loan industry has developed rapidly. All kinds of platforms are becoming more and more convenient for the examination of College Students small loans, and less and less audit data are needed. At least one ID card can be applied at least. But the so-called easy to borrow time is difficult, such as a bad loan platform, the use of College Students self-respect, good face psychology, when they are unable to pay off debts or pay high interest, simple identity information is enough to ferment more privacy on the network, even personal information may be sold. Give another bad net loan platform to lure the implementation of serial loan. The judge warned that if the means of coercion or threat of violence were taken during the process of the payment of money or the threat of personal privacy, the crime could be involved, and the students should pay attention to the preservation of the evidence in time to safeguard their legitimate rights and interests. In the campus loan dispute, many college students are in the campus loan dispute because they are good enough to help other students to make a guarantee. The guaranty law stipulates: (1) general guarantee; (two) joint liability guarantee. If a party stipulate in a suretyship contract that the debtor is unable to perform the obligation, the surety shall bear the suretyship liability, which is a general guarantee. If the parties agree that the guarantor and the debtor bear joint liabilities for the debts in the guarantee contract, they shall be jointly and severally liable. The debtor who is guaranteed by joint liability fails to perform the debt at the expiration of the period of performance stipulated in the main contract, and the creditor may require the debtor to perform the debt, and may also require the guarantor to undertake the guarantee within the scope of its guarantee. If the parties concerned have no agreement or agreement on the scope of surety bond, the guarantor shall be liable for all debts. The judge reminding that as an adult, college students should be sure to carefully examine the main terms of the contract, the signature and seal of the contract, the details of the agreement and other procedures when signing a contract, so as to avoid being fraudulent and to guarantee the debt of others prudently and cautiously. Risk three: high interest rates Poor lending platforms tend to lure students to borrow by low interest rates and low down payments. Learning laws is an important way to identify illegal usury and illegal net loans. College students should also pay attention to the amount of money borrowed in the process of borrowing, the amount of money actually borrowed by the law as the principal, as an early deduction. The amount of fee and interest shall not be regarded as the principal part. Risk four: breach of faith College students who are involved in campus loan should take an evasive attitude towards the dispute. After the case is adjudication, the case will enter the execution procedure after the judgment comes into force, and the college students who fail to fulfill the judgment obligation in time will be listed on the list of dishonest persons. In addition to fulfilling the relevant obligations, it will also leave a stain in the personal credit record. In accordance with the opinion on speeding up the construction of credit supervision, warning and disciplinary mechanism for the executor of the lost faith, the limitation of the enrolment (employment) to the staff of the civil servants or institutions, and the staff of the civil servants or institutions is determined to be the executor of the letter of failure. A reference for evaluating and promoting the promotion of the promotion. Commercial banks, securities and futures business institutions, insurance companies and other financial institutions, in accordance with the principle of risk pricing, increase the rate of loan interest and property insurance for the main body of serious dishonesty, or restrict the services such as loan, recommendation, underwriting, insurance and so on. This will result in a series of adverse consequences for the future development of college students. The judge reminded college students to face up to the legal risks caused by their irrational consumption behavior.