Fourth, boys fall into school loans, mothers borrow money to sell homestead. 210 thousand is still not enough.

category:Global
 Fourth, boys fall into school loans, mothers borrow money to sell homestead. 210 thousand is still not enough.


More than a month later, Xiao Xie, 23, graduated from university. He will collapse in the past six months. College students have 61 loans on campus for 22 months Xiao Xie is in the rural area of Ankang. His mother pulled him up with his brother, hoping that after he graduated from University, he could find a suitable job to lighten the burden on his family. But nowadays, the homestead that has built the house for the elder brother has been sold, and the black hole caused by the campus loan can not be filled. From last October to now, he has already paid more than 210 thousand yuan, and still less than 50 thousand yuan has not finished, and the 50 thousand yuan is still producing interest by the week. I blame myself for not having any sense at all, so that I finally get deeper and deeper. When Xiao Xie went to university, his family was in hard condition. The tuition fee was 6000 yuan, which was a student loan. The cost of living is the mothers monthly call to him. In the second second semester, the cost of living was tight. Xiao Xie saw some advertisements on campus loan from the Internet. The most important thing was that the loan could be staging. So he downloaded the APP of campus loan in accordance with the tips of the advertisement, and then provided his own identity card, student card and other personal information to the other side, and the other side soon made 1000 yuan loan. It was in his designated bank account. For the first time and purpose of the loan, Xiao Xie said he had no impression at all. His personal credit report showed that he had 61 repayment records from March 2016 to January 2018. Every repayment record means a loan. The first loan was settled in March 25, 2016, and the credit reporting showed that the Dragon Bank branch of Harbin bank provided him with a personal consumption loan of 1100 yuan. Since then, an unmanageable, Xiao Xie almost every month has three or four loans, the amount from 200 to 4000 yuan, sometimes the loan can not be in time, have to tear down the wall. The largest number of loans to Xiao Xie is the Harbin bank Long Qing Branch, which has more than 40 times, followed by financial institutions such as China Foreign Economic and Trade Trust Co., Ltd., Gome microcredit limited company and so on. In June 28, 2017, the CBRC issued a message that the CBRC, the Ministry of education and the Ministry of human society jointly issued a notification, requiring a suspension of the network loan agencies to carry out the net loan business of college students and explicitly withdraw from the timetable. In September 6, 2017, the Ministry of Education held a press conference to make clear the ban on campus loan business, and no network lending institutions are allowed to grant loans to college students. Banks shut down the main entrance to provide credit services to students, while loans APP opened the side door to students. The next line of private lending has left little thanks completely. The annual interest rate of private loans under the line is up to 1560% Offline private loans refer to such entities as private lending institutions and lenders, commonly known as usury. Usurious usury usually carries out false propaganda, offline signing, illegal intermediation, charging ultra high rates, and there are problems of violence, and the victims often suffer huge loss of property and even threaten their own safety. One day in September 2017, QQ was suddenly added to Xiao Xie and asked if he needed funds. At this time, he is worried about repayment, like a savior. Add WeChat, download the APP of the loan specified by the other side, and register the photo of the ID card, home address and the copy of the address book, and the other party begins to give thanks. According to the provisions of the Supreme Peoples Court on the application of laws on private lending cases in 2015, the interest rate agreed by the borrowers and the borrowers will not exceed 24% of the annual interest rate. The peoples court should support the borrowers request to pay the interest at the agreed interest rate. The interest rate agreed upon by the two parties is more than 36% of the annual interest rate, and the interest agreement over the part is invalid. The peoples court shall support the borrower requesting the lenders to return the 36% part of the interest that has been paid over the annual interest rate. According to Xiao Xie, the loan is 1000 yuan, 7 days, 300 yuan, 700 yuan, the equivalent of 30% weekly interest rate, the annual rate of up to 1560%, and the current credit card loans of 0.05%, about 18.25%. The interest rate in 1560% years is 65 times higher than the 24% stipulated by the state, which is obviously not in conformity with the law, and such a loan contract is also invalid. Zhang Fujun, a lawyer at Shaanxi trillion law firm, said that when students were grateful, they could solve the loan dispute through legal channels when necessary. In order to facilitate the demolition of the wall, in order to repay the loan, Xiao Xie downloaded the mobile phone with voucher cloud, rice room, worry free, HP and other many loans APP, the amount of the loan amount is up to 10000 yuan. These APP are only used for bookkeeping, and the money is transferred through WeChat direct. 30% of the weekly interest is deducted from the loan directly. Once the loan is not up, the other side is threatening through a variety of means, Xiao Xie said that that time he almost did not sleep all night, graduation thesis defense is not thought to consider, the whole person is on the edge of the collapse, sometimes want to die. And the overdue will not be paid, the other side will edit some ugly words to him, so as to coercion him. If the loan is not paid in time, the other side says that the text should be copied to Xiao Xies address book. Xiao Xie provided a short message screen showing that a mobile phone number in Baoshan, Yunnan, sent him two messages on May 3rd and 4 this year, telling him that his 100 - point bill was 5 days overdue, as soon as possible, Xie did not reply. In May 6th, the other side sent a synthetic picture of Xiao Xies head portrait, ID card photo and obscene pattern, and edited a paragraph of the incest of their mother and son. Xiao Xie told reporters that these people had asked him to help students to borrow money, so that he could earn commission payments from them. But I did not introduce one, because I was deeply hurt. Xiao Xies mother still cant believe that her son will borrow so much money, and where does the money go? In order to pay his sons debt, she has sold out the house and raised the debt to relatives and friends. As of now, she has helped his son pay 210 thousand yuan, and the remaining 50 thousand yuan is still producing interest by the week. Little Xie Yuan called his brother in Shenzhen to tell the reporter that his most concern was that his brother would go to extremes because of this, because his brother had a little thought about it a long time ago. News link A number of college students are unable to repay the school loan suicides Reporters through Baidu search found that many college students committed suicide and campus loans. In March 2016, a college student in a university in Henan, with his identity and the identity of his classmates, received hundreds of thousands of unsecured credit loans from different campus financial platforms. When it was unable to repay the loan, he committed suicide. In April 11, 2017, a sophomore in Xiamen Huaxia college killed herself in a hotel in Quanzhou because of the campus loan. It is reported that the schoolgirl loan platform for the girls has at least 5, only more than 570 thousand on the present loan platform, with a cumulative number of 257 strokes, and the current arrears of over 5 million yuan. Her family had paid her money many times, during which she had received a nude reminder of money. On August 15, 2017, Fan Zeyi, a 20 year old college student in a foreign language college in Beijing, drowned in Jilins hometown. After his family found his remains, his cell phone also received uninterrupted threats to threaten his repayment. Through his familys introduction, he had previously borrowed usury on a number of network lending platforms, with a cumulative amount of more than 13 million yuan, of which a loan amount was 1100 yuan, and a week later, 1600 yuan was needed, and the weekly interest rate was up to 500 yuan. In September 1, 2017, a 21 year old Shaanxi Aviation Vocational College, a sophomore student loan about 200000, was used for dinner and repayment of loans, and jumped the river when it was unable to repay. Expert advice Students encounter network loan platform violence to collect the alarm The rise of campus loan, on the one hand, shows that the demand for college students in consumption is great. On the other hand, some college students are unable to use rational consumption, through different network financial platform to repay loans, and eventually lead to tragedy. Zhang Fujun, a lawyer in Shaanxi Zhao Shou law firm, said that college students, as individuals with independent civil liability, should be consumed rationally and do not be dusk by the rapid expansion of the consumption desire. For the Internet lending platform, such as violence and other means of collection, students can report to the public security organs. At the same time, schools should also strengthen the education of basic financial knowledge for college students, improve their awareness of risk control and prevent tragedies. Before, the Ministry of education and the China Banking Regulatory Commission jointly issued a notice on strengthening the risk prevention and education guidance of the campus bad network lending. It clearly requires universities to establish the daily monitoring mechanism and real-time warning mechanism of the campus bad network lending and to establish the coping mechanism of the campus bad network lending. In May 9th, the reporter contacted Xiao Xie by telephone, and he said he would report his situation to the Department and the school as soon as possible. I hope to solve this thing thoroughly, and never touch this thing in the future. A university student in Shenzhen wanted to buy a laptop and borrowed money from a student to find a loan company. Since 2015, it has gradually accumulated to over 100 yuan from the initial loan of 13 thousand yuan to over 100 yuan, and nearly 100 times. When students are unable to repay the loan that is like snowball, the loan company will find the students parents according to their personal information and threaten them to repay the loan. Sophomore boys to get their girlfriend into school loans: borrow 20 thousand to 100 thousand interest