Spring City Evening News and Opening Screen Journalists learned from Yunnan Economic Investigation Brigade that with the rise of P2P, many online loan platforms like Niumao have been launched. Many illegal campus loans have begun to turn to campus to find opportunities. With convenience, speed, low interest and low cost as bait, they have set up various consumption contract traps to lure students with strong desire to consume loans. After signing the contract, they have made a variety of loans. Means to make loans profitable, leading to violent debt collection, bare loans and even debt suicide and other cases.
Dont think that the victims of illegal campus loan only exist in Internet posting bars and news. In recent years, some college students around us have suffered a lot.
Borrowed 80,000 yuan, repaid 140,000 yuan, still owed 1 million yuan
According to reports, Xiaomei, a female college student of Yi Liang nationality in Yunnan, borrowed 80,000 yuan from more than 60 online lending platforms three years ago, which led to high debts. After desperately repaying more than 140,000 yuan with interest, she still owes nearly 1 million yuan in huge debts.
Xiaomei, who is heavily in debt, cant repay the huge debt of nearly 1 million yuan on time. The platform calls all the contact phones stored in her mobile phone. Not only does Xiaomei call her parents day and night for reminders, but many relatives and friends of Xiaomei also receive reminder calls from the platform side. It also calls continuously for 24 hours, which makes her relatives and friends complain incessantly.
Borrowing 1300 becomes owed 20000
Xiao Zhao is a sophomore in a university. In less than a month, he borrowed money from nearly 10 network platforms. First, he borrowed 1300 yuan, then returned 2000 yuan, then borrowed 1300 yuan, and then returned 2000 yuan. Xiao Zhao said that, like snowballs, he borrowed more and more money and had to borrow from another online lending platform.
The interest rate is usually 20-30 points, and the repayment period is 6 days. In addition to borrowing from online lending platforms, Xiao Zhao also borrowed from Wechat, and he had no idea whether these platforms were formal. I dare not tell my family, and I dare not pay back the money. For this reason, Xiao Zhao once lost contact with his family, even grey hair.
How to keep away from illegal campus loan?
First you have to be a learning hegemony
Familiar with financial knowledge, rational analysis of the real interest rate standards of loans, so as to face the high interest rates and contract terms of illegal campus loans, have evidence to rely on, and practice the ability to discriminate and resist illegal campus loans business and its variants.
Learn to Lighten Your Belt to Live
The main task of students is to learn and grow, not blindly compare, not greedy for pleasure, reasonable arrangement of living expenses, so as to live within ones means, thrift, rational consumption, scientific consumption. At the same time, I remind my classmates and alumni around me that there is no free lunch in the world, so dont be fooled by criminals.
Learn to Use Legal Weapons
We should strengthen the study of laws and regulations, tighten the chord of self-protection at all times, protect personal information and privacy, and pay attention to retaining relevant documents. When the legitimate rights and interests are damaged, the first time to discuss with classmates, teachers and parents, we should learn to use legal weapons to protect ourselves.
If you accidentally fall into the trap of illegal campus loan, when you encounter illegal debtors and violent debtors, you must call the police in time and communicate bravely with your parents. At the same time, keep the information, transfer records, bank flow, short messages, chat records and other relevant documents of both sides.
Common Forms of Illegal Campus Loan
At present, the state clearly stipulates that only banking financial institutions can provide legitimate and compliance credit services for college students. The following forms of illegal campus loan should be vigilant when you encounter them.
According to the provisions of the Supreme Court, the agreed annual interest rate between the borrower and the lender is not more than 24%, which should be supported; the agreed interest rate between the borrower and the lender is in the natural debt area of 24% - 36%. If the agreed interest rate between the borrower and the lender exceeds 36%, it will be usurious and will not be supported.
2. Bare Bar Loan
Illegal creditors use naked photos or indecent videos as evidence of loan mortgage by coercing borrowers.
3. MLM Loans
Illegal elements use the campus loan platform to recruit college students as campus agents and require the development of students offline for step-by-step enrichment.
4. Payment and loan
Using college studentsjob-hunting psychology, a new type of fraud is carried out in the name of obtaining Commission on loan purchase bills. 5. Long-term loan mainly refers to a kind of long-term loan which is repayment of debts by loans because of the loan from many illegal campus loan platforms. 6. Training loan, under the banner of financial innovation, is actually a new variant of school loan, which specializes in deceiving college students who are not well-known in the world. Finally, we should popularize the legal knowledge of folk lending: according to the law of our country, the interest rate of less than 24% per year is valid, and the interest rate of more than 36% is invalid and can be recovered. And between 24% and 36% is called natural debt area, if it has been repaid, it can not be recovered. So think twice before you borrow money. Dont fall into the trap of illegal campus loan. Source: Responsible Editor of Yunnan Net: Shi Jianlei_NBJ11331
Using college studentsjob-hunting psychology, a new type of fraud is carried out in the name of obtaining Commission on loan purchase bills.
5. Long-term loan
Mainly refers to the formation of a loan to repay debts type of multi-head loan because of the loan from a number of illegal campus loan platforms.
6. Training loan
Under the banner of financial innovation, training loan is actually a new variant of school loan, which specializes in deceiving college students who are not deeply involved in the world.
Finally, we should popularize the legal knowledge of folk lending: according to the law of our country, the interest rate of less than 24% per year is valid, and the interest rate of more than 36% is invalid and can be recovered. And between 24% and 36% is called natural debt area, if it has been repaid, it can not be recovered. So think twice before you borrow money. Dont fall into the trap of illegal campus loan.