Nowadays, college students borrowing money is not uncommon, how to view the phenomenon of college st

Today's college students are too heavy and irrational to consume, so they will owe so much, it is best not to spend in advance, after all, they are students, and they should focus on their studies.

I think the phenomenon of college students borrowing is quite serious now, but college students are adults, they are all responsible for their own actions, and they must borrow according to their daily plans.

Personally, I think that the reason why college students borrow money is not uncommon, shows that their financial awareness is relatively weak, and many financial institutions are a little too much to pursue their own interests.

This is an extremely irrational behavior, which may cause a certain burden on one's own family because of this kind of borrowing, and I hope that everyone can think twice before doing something.

I don't think that's good. Because college students can't earn money without a job, it is more difficult to repay the loan.

As a high-quality and well-educated college student, you should know how harmful loans are, and it is best not to take out loans without special circumstances, because this is not something you can afford.

I think this phenomenon is very bad. They ran out of money because they were overspending, so they started borrowing.

A: This kind of phenomenon needs to be corrected, and I think this kind of phenomenon is not good, and if it is not stopped in time, it may bring more trouble.

College student borrowing is a phenomenon that the overwhelming advertising of merchants has led college students who have no salary to borrow and consume, and there are also some illegal lending companies that specifically target college students to advertise.

Today's college students don't have any financial **, they want to improve their quality of life, they can only borrow, which will also cause their own greater economic pressure, a vicious circle.

This situation is because of the emergence of such a platform, which promotes the false college life of college students, which will lead to the phenomenon of indiscriminate borrowing.

No, it won't. For college student loans, you have to sign a repayment contract with the bank when you graduate, of course, you only need to pay a certain amount of money to the bank card specified in the contract every month. The impact is nothing more than a little reduction in your monthly income, and if you default or even avoid repaying the loan, it can be regarded as an impact, which is very bad for your personal credit.

Therefore, if you repay the loan honestly, it will have no effect on you, just like borrowing money to repay the money, it is a normal thing, and it will not affect employment. As for the rest, the employer will not reject you on these grounds, and you will not be excluded from it in other ways, in short, it will not have much impact on your employment, the key is that you can ensure that you do not default at that time. ps：

Of course, the state has a policy, and if you can respond to the call to go to the west and support the country's western development plan, you can be exempted from repaying the loan, which is also an impact on the one hand.

Hello, there are many low-interest online loan platforms to choose from, installment is not a formal loan platform, installment is unreliable, the interest is too high, and compared with other loan methods, the loan application of the online loan platform is convenient and fast, but the application for online loan should pay attention to the choice of a formal platform, which can better protect personal interests and information security. At the same time, be careful not to pay pre-loan fees to avoid being scammed.

It is recommended that you use Youqian Hua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqian Hua, renamed as "Youqian Hua" in June 2018), a big brand with reliable and low interest rates. The maximum amount of borrowing is up to 200,000 (click on the test limit, the daily interest rate is as low as the one, and it has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.)

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

Generally, it is better to choose a bank loan, although the interest rate is higher, but it is safe.

It's better not to borrow, don't borrow.

It's best not to try it lightly and overdraft your tomorrow.

01 There are many college students who take out loans because they blindly pursue luxury goods, resulting in insufficient living expenses from their families. I couldn't restrain my desire to shop, and I didn't have a way to make money, so I joined the campus loan.

02 There are also some college students who join campus loans because they are addicted to online games. I spent a lot of money to buy game equipment, and after buying it, I wanted to buy more advanced equipment and props. The money was not enough, and without considering the consequences, I joined the campus loan.

03 The reason for the campus loan for college students is nothing more than that the living expenses cannot meet their own expenses, but they don't want to work to make money. The advent of campus loans made it easy for them to borrow money and buy what they wanted to buy, and when they looked back and found that they had to repay the money, it was a mistake to have an empty pocket and not pay it out.

04 College is the best time in life, and at this age, we should study hard to lay a better foundation for finding a job in the future. And you shouldn't think about how to spend money all day long, even if you have to spend money, you should earn it through your own efforts, instead of just thinking about getting something for nothing, pie will not fall from the sky, for any"Good thing"Be careful.

Campus loan refers to the loan services provided by some institutions or individuals through student credit information and personal information, and this kind of loan service is mainly for college students. Although campus loans provide a convenient and fast way for college students to take out loans, if they are not used properly, they may also bring a lot of unnecessary risks and troubles to college students. Therefore, as a college student, you should treat campus loans correctly, and the specific measures are as follows:

Plan for your personal finances. Before considering a loan, Yeshengduan should first plan his personal financial situation, formulate a reasonable consumption plan and budget, control his own expenses, and try to avoid unnecessary consumption and waste.

Learn about the relevant laws and regulations. Before considering campus loans, it is necessary to understand the relevant laws, regulations and regulations, and understand the interest rate, term and other information of the loan to prevent being cheated.

Choose a formal institution. Choose formal lending institutions with a good reputation and reputation, such as Yinsong Yuxing and credit cooperatives, and avoid choosing some illegal lending institutions or individuals to prevent being deceived or causing disputes.

Be cautious about borrowing. When considering a loan, you should choose the appropriate loan amount and term according to your actual situation and financial situation, and pay attention to the repayment period and interest.

Build a good credit history. Treat campus loans correctly, repay them in a timely manner, and establish a good credit history, which will be very helpful for future loans and credit evaluations.

In conclusion, college students should keep a clear head when using campus loans, treat loans correctly, and comply with relevant laws and regulations to avoid unnecessary risks and troubles.

Enhance and learn about the dangers of "campus loans"; If you are new to campus loans, if you have fallen into it, but you have just borrowed money, and now you find that it is wrong, then quickly borrow some money from classmates and friends to repay it immediately, and then slowly repay the money to your friends, so as to avoid falling deeper and deeper, and finally the interest is greater than the principal, and you will be far away immediately after the event; If you have fallen into it, you have been completely unable to repay, in this case, hurry up to the police, if you are still timid or continue like this for the sake of face, it may even pose a threat to personal safety, in front of the police uncle 1510 clear things **, follow the legal procedures, take this matter as a profound lesson for yourself, remember to be cautious in the future! If it is a friend or classmate around you who is caught in it, then quickly persuade him to recognize the situation clearly and solve the matter in the fastest way, but on the premise of the safety of himself and his friends, if he can't solve it, tell his parents or police uncle as soon as possible, because after all, his parents have entered the society early and must have rich experience, so there will be more ways to deal with it! In fact, the best way for you to be in school is to control your own desires, consume according to your own situation, don't play big names, don't compare with each other, these are really meaningless, in order to best and most effectively get rid of the hateful "campus loans", and the most effective way to deal with those campus loans is to call the police and let the police uncle punish them.

Article 13 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases Where the borrower or lender's lending behavior is suspected of a crime, or has been found to constitute a crime by an effective judgment, and the parties file a civil lawsuit, the private lending contract is not automatically invalid. The people's courts shall determine the validity of private lending contracts in accordance with the provisions of Articles 144, 146, 153, and 154 of the Civil Code and Article 13 of these Provisions. Where the guarantor claims not to bear civil liability on the grounds that the borrower's or lender's lending behavior is suspected of a crime or has already been found to constitute a crime by an effective judgment, the people's court shall determine the guarantor's civil liability in accordance with law on the basis of the validity of the private lending contract and the guarantee contract and the degree of fault of the parties.

Enhance and learn the understanding of the harm of "campus loans", new to campus loans, you can control your own desires, consume according to your own situation, don't play big names, don't compare with each other, the most effective way to treat campus loans is to call the police.

Campus loans have strong two sides.

On the one hand, it can really help some students who are in difficulty, and on the other hand, it can also lead people astray.

It depends on how the individual understands and uses it.

Enhance and learn about the dangers of "campus loans";

Favorable Aspects of College Student Loans:

Compared with the average adult, college students have less disposable money, but at the same time, they are the main consumers of fashion products, and they can promote social consumption in such a way. For students, such a new type of consumption method solves the contradiction between insufficient amount and time. For merchants, selling goods to make a profit.

For the entire market, it increases the demand of the market and expands the market space at the same time. Moreover, the online loan installment loan for college students can bring more opportunities to college students' consumption, which has certain positive market significance. For example, how can such an approach be more effective in helping students to consume, rather than encouraging irrational consumption?

Disadvantages of College Student Loans:

For relatively large expenses such as start-up loans and tuition payments, you should be cautious when using online lending platforms. The success rate of college students' entrepreneurship is small, entrepreneurship itself is a venture capital, coupled with the high interest rate of online lending, if it does not go well, the road to entrepreneurship will be more difficult.

College students need to plan their consumption reasonably, adhere to moderate consumption, and resolutely avoid unreasonable and advanced consumption that is fashionable and saves face. On the one hand, college students should see the impact of these Internet financial tools on their own consumption behavior, and on the other hand, they should be able to analyze and explore the commercial applications of these tools, such as whether these tools can provide support for innovation and entrepreneurship.

The advantage of student loans is that you can use your funds independently, and you can start a business and travel without restrictions or obstacles. I just borrowed thousands of yuan from a famous school loan platform, and I not only bought a mobile phone but also went out to play, and it felt very cool not to have to reach out to my parents. But there are always two sides to things, college students do not have stable funds and repayment**, and they have to rely on part-time jobs, internships or parents' money to repay, which has a lot of uncertainty, so it will also make many students who have no self-control ability fall into trouble.

Benefits: Ease the burden on your family.

Disadvantage: There is a certain amount of study pressure.

There are certain preferential loans for college students, and the state has relevant support policies for poor employment. In order to support college students' entrepreneurship, the state and all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. In recent years, in order to support college students to start their own businesses, the state and all levels have introduced many preferential policies, involving financing, business start-up, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.

For college students who plan to start a business, understanding these policies can take the first step in starting a business.