Why do so many college students choose online loans?

Because the money arrives relatively quickly when it comes to online loans, many college students now spend a lot of money, so they are very short of money to spend.

Because the cost of living in college is actually quite high, there may be times when parents don't give much money to their children. The main reason is that the consumption level is relatively high, and the interest rate of online loans is relatively low and more convenient.

It is possible that you want to start a business but have no money, so you will choose an online loan, but you still have to choose appropriately not to be deceived.

Because the consumption level of college students is getting higher and higher, and the living expenses provided by parents cannot keep up with the growth rate of college students' consumption, many college students will choose to borrow online to meet their daily needs.

Because they want to buy a lot of things, but they can't afford it, they can only choose the way of online loans.

Due to the development of the economy now, many college students will choose online loans, because it can save a lot of trouble and can be operated directly online.

Mainly because online loans are very convenient now, and then if you want to borrow money from others, it is difficult to open this opening.

Because of the improvement of material life now, there are many college students whose living expenses cannot keep up with the material life, so they can only choose online loans.

Rationally look at the problem of online loans for college students. It has both good and bad aspects. The pros and cons should be viewed rationally and objectively.

Pros:It is beneficial for college students to better complete their studies or start their own businesses. Some college students have financial difficulties and find it difficult to meet the financial requirements of students. Students can apply to online loan platforms for funding.

The application threshold for online loans is relatively simple, and you only need to provide your ID card and proof of student status. In terms of use, there are no restrictions on the direction in which the funds can be used. College students can use the borrowed money to study or start a business.

Cons:The psychology of blind comparison among college students is expanding day by day. College students' living expenses mainly depend on their parents**, and their consumption will be restricted to a certain extent, at this time, some college students will be attracted by online loan information.

Taking out online loans has boosted their psychology of comparison and enjoyment.

Second, excessive advanced consumption affects the academic and future of college students. Many people are irrational in their consumption and even in debt, which affects their studies.

Provisions on the Loan Agreement:

Article 10 of the Several Opinions of the Supreme People's Court on the Trial of Lending Cases by the People's Courts: A lending relationship formed by one party by means of fraud, coercion or other means, or by taking advantage of the danger of others, so that the other party violates its true intentions, shall be deemed invalid.

Article 11 of the Several Opinions of the Supreme People's Court on the Trial of Lending Cases by the People's Courts: Where a lender clearly knows that the borrower is borrowing money for the purpose of carrying out illegal activities, its lending relationship shall not be protected.

It is recommended to be in school.

Copy college students still don't want to take out loans, because they don't have the ability to repay the loan, and they often can't pay it back after taking out a loan, which affects their own credit information

This has a great impact on the future mortgage to buy a house and a car or a loan with a mortgage.

Moreover, there are many online loans, most of which deceive my personal information to carry out online fraud.

College students are often unstable in their studies, and they can't afford to borrow it, which affects their personal integrity evaluation.

There are many online loan platforms, and the quality management is uneven, and some of the potential or real interest rates are very high, but they are not marked, and they are found to cause disputes after borrowing. In addition, personal security information may be leaked after registration, which is easy to be used by criminals to defraud.

It is easy to breed the habit of college students to consume in advance, especially in irrational situations, which will cause serious consequences and may develop into money worship.

The benefits of online loans for college students are:

The procedures for online loans are generally simpler than those for offline bank loans, and the loans are relatively convenient;

It is also easier to get a loan, which can alleviate the temporary financial stress of university life.

The disadvantages of online loans for college students are:

Compared with traditional loans, online loans have a deeper degree of risk, and the creditworthiness of the lender needs to be considered.

The interest rate will be higher, which is due to the fact that the procedure is simpler and the company will consider the credibility of the student.

If you are a student, you mainly have to go to some formal online loan platforms, don't contact those who are informal, otherwise there will be crying, you can go to Huoguozi to see, the loan platforms shown above are relatively well-known. Don't come across unclear lending platforms.

Pros and Cons of Online Loans for College Students:In this sense, online lending platforms can enhance the financial independence of college students, cultivate rational consumption habits, and improve financial management ability, and in this sense, there is a positive side. However, some lending platforms are opportunistic, deliberately inducing college students to take out loans, and unscrupulously making money through high interest rates, which has crossed the moral and legal bottom line.

Introduction to online loansOnline lending, foreign name is Internet lending, P2P online loan is the abbreviation of online lending, including individual online lending and commercial online lending. The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

The above content reference: Encyclopedia - Online Loan.

1. Campus loans are usurious in nature.

Criminals target colleges and universities, taking advantage of the disadvantages of college students' poor social cognitive ability and weak psychology to carry out short-term and small-amount loans, which on the surface seems to be "small profits but quick turnover", but in fact, the interest rate obtained by criminals is 20-30 times that of banks, and they arbitrarily earn students' money.

2. Campus loans breed the bad habits of borrowing students.

The economy of college students mainly depends on the living expenses provided by their parents, and if students have a comparison mentality and usually have bad habits, then the expenses provided by parents will definitely not be enough to meet their needs. Therefore, these students may turn to campus loan sharks to obtain funds, and lead to bad habits such as gambling and alcoholism, and in serious cases, they may skip classes and drop out of school due to inability to repay their loans.

3. If the loan cannot be repaid in time, the lender will use various means to collect debts from the students.

Some lenders will ask for items of a certain value for collateral when making loans, and they will collect copies of students' student IDs and ID cards, and they are very familiar with students' personal information, so once students fail to repay the loan on time, lenders may use intimidation, beating, threats to students and even their parents to violently collect debts, causing major harm to students' personal safety and campus order of colleges and universities.

4. Some criminals use "usury" to commit other crimes.

Lenders may use campus "loan sharks" to defraud students of collateral and security deposits, or use students' personal information to defraud, fraudulently obtain credit cards, etc. Please be cautious about handling "online loans" and "small loans", and do not apply for loans in your own name to others or provide guarantees for others because of the persuasion of others or being deceived by the so-called "benefit fees". If you need to apply for "online loans" and "small loans", you must consult your parents and banks to avoid being deceived.

2. How to solve the online loan for college students?

1. Legislation clarifies the legal status of online credit;

2. Clarify the regulatory body and regulatory responsibilities;

3. Establish a sound regulatory system;

4. Rectify the publicity behavior of online credit platforms;

5. Improve the credit reporting system for college students;

6. Restrain the collection behavior;

7. Strengthen efforts to prevent and educate colleges and universities on the risk of bad online credit.

College students can take out loans if they meet the conditions of the next Xianxin train: college students are persons with full capacity for civil conduct; There is a clear and legitimate purpose for the loan; The requirements for the loan are reasonable; College students have the willingness and ability to repay; and have a good credit profile, etc.

Article 11 of the Interim Measures for the Administration of Personal Loans An application for a personal loan shall meet the following conditions: (1) the borrower shall be a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The loan is clear and legal; (3) The amount, term and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower has a good credit status and no major negative credit records; (6) Other conditions required by the lender. Article 12 of the Interim Measures for the Administration of Personal Loans stipulates that the lender shall require the borrower to submit an application for personal loan in writing and require the borrower to provide relevant materials that can prove that the borrower meets the loan conditions.

A sophomore in Anqing, Anhui Province hanged himself at home, and many people felt embarrassed after this incident was announced. Young life is so precious, why commit suicide? Many people don't understand.

When relatives looked at the student's belongings, they found that there were multiple online loan platforms on his mobile phone, and what was even more surprising was that there were many text messages on the phone calling for loan repayment. Although this incident has been investigated at present, we can vaguely see that the student may have actually committed suicide due to the heavy pressure of online loans.

First, it is a big blow to parents.

The student died suddenly, ending his young life, which was a very heavy blow to his parents. Parents have worked hard all their lives, and they just want to provide for their children to study and go to college. Although the child was angry, he was admitted to university.

But in the end, he lost his life because of an online loan, which is really unacceptable to such a cruel reality. In the eyes of parents, isn't life more important than online loans? It's a pity that a fresh life fell like this because of an online loan!

Second, it is a warning to us.

Many people choose to end their lives because they can't bear the pressure from life, study, work, and emotion, but this approach is actually very irresponsible. At the moment when we gave up on life, did we ever think about how our parents would live in the future? Have we taken into account the efforts of our parents and we have not yet given back?

We hope that when we encounter hardships in life in the future, even if we are in debt, we should not give up lightly, nor should we commit suicide at every turn, which is actually very inappropriate. I hope this boy's incident can give us a warning.

3. I hope that students can be more self-disciplined.

Although online loans may have become the fuse for this student's suicide, I personally feel that it was his lack of self-discipline that led to the deeper and deeper trap of online loans. If he didn't want to take advantage of it, maybe he could have done it at the precipice, maybe he could have been more self-disciplined and didn't consume indiscriminately, and he wouldn't have come to the point where he is today. Although online loans are hateful, a person's own character is also very important.

To be honest, I firmly oppose it for the following reasons.

1: Almost all student groups, they are pure consumers, no income**, their main business is studying, they must concentrate on devotion, if there is an online loan, oppressed by loan repayment, they will definitely think about how to earn money to repay the loan when studying, how can people study seriously?

2: Breed the psychology of consumption comparison. Some people who are not strong in psychological quality, due to the effect of vanity in comparison, have student online loans, they go to reach out, regardless of the consequences, do not want their family's ability to repay the loan, only for the present, and send themselves to the point of no return.

3: Shaping bad consumption or life concepts. The tradition of the Chinese is hard and simple, how much money they have, how many things they do, and they rarely make a head.

Thanks to the help of online loans, advanced consumption has become fashionable, and the moonlight family has been created in this way. Some children disregard the life and death of their parents for their own consumption, which greatly affects family harmony.

4: College students generally do not lack living expenses, and campus online loans are just an expansion of their desire to consume.

When I saw this title, I especially wanted to write about a personal experience, which was unforgettable.

Single-parent family, mom pulls big. When I was in college, I borrowed an online loan for a year when I was young and ignorant, and then my brain suddenly brightened and decided to wash my hands of gold, save money and never borrow again, and slowly repay it. The monthly living expenses are 1,500 yuan, but the loan of more than 1,000 yuan has to be repaid every month, and it takes ten months to pay it off.

Eating steamed buns and pickles every day, the living expenses of a day are no more than ten yuan, and I persevered for two months, feeling haggard and going ashore in the long run, and I made a lot of determination on the verge of collapse to confess to my mother.

Before I hit **, I thought of 10,000 scenes where my mother scolded me, and I recognized them all. In **, I confessed what I had done this year, and my mother didn't say anything unpleasant, and after educating me for two sentences, she said that she would call me tomorrow and pay it back immediately. The call was much shorter than expected.

The money arrived that night, and I transferred more than twice the cost of the trip to let me go home. This is a chat history of me and my family.

A few days later, my family told me that my mother had been crying that day, not because she didn't think I was so ignorant, and she wasn't disappointed in me. She just cried and said"This child only spends three or four hundred a month on studying, and his health is not good, so he should have said it a long time ago, and he carried it for two months. "

Children are one of the most distressing things for mothers in this world.

After that pass, the burden in my heart was let go, but the sin and guilt will never go away.

It is also the power of mother's love that made my prodigal son in my junior year turn back, a scumbag who failed to retake the course, and was admitted to a graduate school.