The master owes an online loan to hang himself, knowing that the online loan is terrible, why do som

Now the incident of online loans forcing people to die is often seen in **, but it is still repeatedly banned, and there are still many people who will risk their lives to borrow money, why is this?

To a certain extent, online lending solves the difficulties of people who do not have the qualifications to borrow money from banks.

If you go to the bank to borrow money through formal channels, you need to find a way to prove your financial strength, you need to have a stable job and income, and if you don't have this proof, you need to have a house and a car and other property to get a mortgage. But this is not everyone's conditions, especially for students who have not yet had the financial ability, it is simply an insurmountable gap.

The threshold for online loans is very low, there are not so many rules and regulations, you don't care about your net worth background, and some even only need an ID card to get a loan. In addition, the loan requirements are relatively low, and small and micro loans that banks disdain at all are also acceptable. Compared with bank loans, not only is the procedure simple, but the loan is very fast, and it can be received in a few days.

For some students, they don't have the economy themselves. Some may indeed have encountered a hurdle that they can't get over, and they want to solve their urgent needs through online loans. But more of it is that I love vanity and comparison, and I like to compare with some students with economic strength in consumption.

Or some boys often make generous moves in order to show their generosity when they pursue girls. When the money is not enough to spend, they will go to the online loan to save the emergency.

However, because they are unable to repay the high-interest online loan with principal and interest, they will tear down the east wall to make up for the west wall, borrow the east to repay the west, and finally get themselves to the point where they have arrears on many online loan platforms, thus forming a vicious circle.

Online loans are risky, and you need to be cautious when you get involved!

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The master owes an online loan to hang himself, knowing that the online loan is terrible, why do some people still take out online loans?

1. The threshold for online loans is low, the review is fast, and the loan is fast.

Compared with bank loans, the interest rate of online loans is relatively high. But even so, there are still many people who choose online loans. One of the reasons is that whether it is a credit card or a loan, banks need to meet various conditions, and the threshold is very high.

Many people who do not have a regular job and whose status and financial ability do not meet the conditions of bank loans will choose online loans.

The threshold for online loans is low, the review is fast, and the process is less, so you can get the loan quickly. <>

2. Urgent use of money.

There are many people in online loans who have problems at home or in their careers and are in urgent need of money. This kind of person can't wait to take out loans through other methods, even if they are high-interested, they choose to take out online loans.

3. The social atmosphere is poor, and the school has become a common practice.

Many people who take out online loans are still students, have no financial means, and rely on their parents' living expenses to survive. However, there is a big difference in family background between classmates in school, and some people whose family conditions are not particularly good envy the lifestyle of those classmates who are from wealthy families. Take out an online loan, buy high-end products, package yourself.

Gradually indulge in this. <>

4. The money comes quickly, and the money comes easily.

Online loans come quickly and easily, only need to fill in a few pieces of information, almost effortlessly, some people once used to this way of money, will gradually fall into the quagmire, unwilling to obtain income through their own labor, into a vicious circle of loans, repayments, loans, repayments. <>

5. Not deeply involved in the world, poor self-control.

Many of the people who owe huge online loans and are unable to repay them are students who have not graduated or have just graduated. There is little social awareness, or, like this master, real life is too different from what he expected. There is no proper understanding of society, work and money-making consumption.

Coupled with some unscrupulous online lending institutions, they can easily get on the road of online loans, and go to a point of no return, leading to tragedy.

Everyone knows that online loans are scary, but there are always people who get into it. I think it's mainly because these people have the mentality that they don't get something for nothing. After being short of money, many people do not think about how to make money, but about borrowing money.

Now that the Internet is so developed, it has naturally given rise to a lot of non-standard online loans. These online loans do not require collateral and are paid quickly, so they are naturally loved by many people.

Some people may think, it's okay, I'll just borrow it for an emergency, it doesn't matter. As a result, once you step in, it is difficult to have a chance to get out.

Just like the news two days ago, a girl chose a naked loan in order to buy a new mobile phone, and was finally forced to call the police.

In addition to the lack of supervision of online lending, there will be some unpredictable consequences. In fact, even if it is a standardized loan, there are certain problems. For example, some people, when they feel that borrowing money is not a difficult task, may have a slack mentality.

Just like this master, he was anxious about borrowing money at the time, but after that time, he felt that his life had no impact and began to do something again.

In short, online loans are a very scary thing, and I hope everyone can stay away. Never have the mentality of being greedy for small things, after all, the most expensive things in the world are often free things.

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Online loans pit people!

Many online loans, advertising is particularly good, a few minutes of lending, minutes to the account, the interest rate is very low, such as the daily interest rate of 1%, calculate, a hundred yuan a day of interest is only 1 yuan, looking at the feeling that the interest is not high, but the online loan app often hides a point in the advertising page is that in addition to the interest, but also charge a handling fee, and the handling fee is ridiculously high, such as borrowing 1000 yuan, the handling fee is 200, and the actual arrival is only 800 yuan.

In this way, the borrowing interest rate is not 1% per day, and the handling fee must be calculated.

Campus loans and online loans are the same thing, when students are short of money, they are embarrassed to ask their parents to ask for it, and it depends on the relationship between the two places, whether they have money, and whether they are willing to borrow.

And what about online lending software? Just need to use an online loan software on your mobile phone, you can receive money by operating on the software, without looking at other people's faces, sometimes, although you borrow 1000 yuan, only receive 800 yuan, but people are often in urgent need of money, how to receive the money quickly The purpose is enlarged, and the rest is not considered, and I want to take a step by step to see a step, and receive less first.

The master who committed suicide in an online loan, someone recommended him to get a credit card, but he didn't want others to know that he was borrowing money from an online loan, let alone asking a friend to borrow money, although he didn't know what he was doing with borrowing so much money, but borrowing money through more than a dozen online loan software, in the later stage, he was already numb to the interest rate and handling fee, as long as he could get the money, but the hole of this online loan borrowing money is getting bigger and bigger, like a snowball.

Online loans, it is better to stay away.

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Being cornered by online loans is because of an incorrect understanding of online loans.

Everything that exists has a reason for its existence. Why is online lending so popular, because it has a market.

There are so many people who have been miserable by online loans, but at the same time, there are also people who have used online loans without being harmed. The key is how you think about and use online loans. <>

For example, this master who owes money, his tragedy is not caused by online loans, but his own choice.

A dignified master's degree will not be unable to find a job. However, if you are not satisfied with your job, you will not work, what is the reason?

Who in this world is 100% satisfied with their work? I haven't seen it anyway.

If you can't find a sense of value in this job, find your next job and quit your job.

If you don't get what you want for a while, it proves that you are not up to the level you want to do in your job. You should do the job at hand first, and actively improve your ability to build your network. <>

The bottom line is that you should at least survive and not borrow money to survive.

The online loan is not your parents, it will not support you, you were born in the world, you work hard to earn money to support yourself.

Online loans may be used as an emergency for excessive funds, but they are by no means an ATM that you use to buy things outside of your body.

I feel uncomfortable when I see some college students taking out loans in the news to buy something they can't afford, why bother, what can buying an extra thing bring you? <>

Don't envy what others are buying and what they are posting. It's not shameful to not be able to afford good things, it's shameful to satisfy your desires with money that doesn't belong to you.

Only by studying hard, working hard, and seeking development can you live a good life.

<> it seems that online loans are especially popular among students, especially college students. The young people who have been admitted to the university are already adults, and it seems that everyone feels that they can be responsible for their own lives after adulthood, and they don't like to talk to their families when they encounter things.

Those children who don't show their parents on WeChat Moments don't want their parents to know about their dynamics, and they try to keep themselves from asking for money from their families. They feel that they have become adults, and they have lost their grace to reach out to their families, but they want to live the life they want, once money is involved between classmates and friends, it is easy to hurt the harmony, and those who have a way will go to get a credit card with a limit of tens of thousands of yuan, which can be consumed casually without looking at other people's faces, which is very happy.

There are also children who really don't want their parents to worry about themselves, look at their parents who are over half a hundred years old but still work hard, and then look at themselves as an adult rice worm, they really can't ask for it. If everything can develop according to their expectations, it is possible that they can pay it back, and they do not need to add blockages to their parents and do not need to be inferior to their friends, and they will have a full sense of accomplishment if they solve their own problems.

The popularity of online lending is still due to their high requirements for life, which cannot be met according to the current situation. Everyone should have expectations for their own life, and everyone hopes that they can live the ideal life, but the ideal is plump, and the reality is skinny. There may be young people whose ideals are too good, just in time for a good youth, they are willing to take risks, they are willing to try, there will be successes and failures, everyone fantasizes that they are the one who succeeds, but they cannot guarantee that they will not fail 100%.

It's good to dare to take risks, but you must be brave and resourceful, and you must not be too reckless, and the best of life will be dull.

Internet credit is actually a way of borrowing, Internet credit is not terrible, it is an important supplement to traditional credit, but the problem is that the high interest rate of Internet credit is high risk to the borrower, and the borrower itself is due to the poor level of his own assets, which leads to the problem of borrowing, so there is a high risk.

But why is the risk so high, and why would someone borrow money?

This is why for China's current financial system, China's commercial banks and other traditional financial institutions will only add icing on the cake and will never give charcoal in the snow, which has led to China's relatively serious financial problems.

For most small and medium-sized enterprises, capital is their lifeline, once the capital chain is broken, a large number of enterprises will immediately go bankrupt, which leads to many enterprises would rather borrow usury to continue their own enterprise capital chain, although the interest rate of usury is high, but compared to the bankruptcy of the entire enterprise, many enterprises would rather drink to quench their thirst, but also to pull the enterprise back from the brink of bankruptcy.

For individuals, in fact, the same is true, compared with enterprises, China's personal financial financing channels are more scarce, as the most common financial financing channels for individuals are generally credit cards, Ant Huabei, Ant Borrowing, Micro Loans, although the interest rate of these businesses is not high, but the credit card is relatively high, but it is difficult to apply, Ant Huabei, borrowing, micro loan is easy to apply but the amount is too low, under normal circumstances, daily consumption can, but once used for emergency relief, it seems to be overwhelmed.

Therefore, whether it is a business or an individual, even if they know that the interest rate of Internet credit is very high, and there are characteristics of cutting interest and usury, they will be desperate to borrow when they really need help, because there are too few formal credit channels.

Wuhan Institute of Technology graduate student hanged himself, owing more than 50,000 yuan to 13 online loan apps before his death. What caused a graduate student to commit suicide because he owed more than 50,000 yuan? Perhaps there is something to be learned from his experience.

Luo Zhengyu graduated in July 2016 after 6 years of bachelor's and master's studies, and then applied for a job in a central enterprise in Wuhan. After signing the contract, he was sent to a project site in Hangzhou to exercise, with a monthly salary of 6,000 yuan, but he only worked for half a year, and he resigned despite the dissuasion of his family! Later, he returned to Wuhan, falsely claiming to work in Wuhan, but in fact lived on a small loan, and finally hanged himself in a small hotel in Wuhan.

As long as you are lending online on a formal platform rather than on some informal platform, it will not be said that you will encounter some usury in the traditional sense, after all, microfinance is not usury in the traditional sense. The regular online loan platform earns the interest difference, and for those who urgently need turnover, they can have a time to prepare.

People like Luo Zhengyu are not uncommon, and they can be said to have little self-control in how to use money, which is a lack of education. He is not the most hateful type of young man, who only cares about his own card consumption and makes his parents bear the pressure of repayment, but his tragedy is more about family, personality and how to change from a student to a social person, and how to integrate into society. This is what many families need to reflect on.