Do you think campus loans are harmful? How should college students strengthen their awareness of cam

Campus loans are still very harmful, for college students, the concept of money during the student period is relatively weak, so when there is a loan on campus, it is easy to be attracted, at this time you have no ability to repay, which will make your future life pressure heavier.

Of course, campus loans may make college students incur debts early, which may lead to suicide of college students, and college students should avoid communicating with people they don't know to sign contracts.

I think it's very harmful, because it can break up a college student's family, and college students must not enter the informal **, do not consume casually.

We should guard against campus loan measures:1. Keep your eyes open. The majority of students should enhance their awareness of prevention, use personal information cautiously, do not fill in and leak personal information at will, and do not blindly trust the online loan products they promote, so as to improve their ability to screen and resist online loan business.

2. Find the right organization. As long as there are financial difficulties in school, the state and the school will provide appropriate help to solve the problem of tuition and accommodation fees, mainly with national student loans; To solve the problem of living expenses, the national scholarship is mainly used to solve the problem of sudden temporary difficulties, and the temporary hardship subsidy is mainly used; Solve the problem of comprehensive ability and living allowance, mainly through work-study and so on.

3. Rational consumption. The vast number of students should cultivate a sense of diligence and thrift, abandon erroneous concepts such as advanced consumption, excessive consumption, and conformist consumption, rationally arrange living expenses, and do not blindly follow, compare, or show off.

Do more publicity to prevent students from applying for loans, and avoid students not having the ability to repay, resulting in overdue loans and repayment.

The Dangers of Campus Loans:

1. Campus loans are usurious in nature;

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

3. If the loan cannot be repaid in time, the lender will use various means to collect the debt from the student;

Fourth, there are lawbreakers who use "usury" to commit other crimes.

Campus Loan Precautionary Measures:

1. Keep personal information and documents closely.

Once it is used by people with bad intentions, it will cause personal reputation, loss of interests, and may even lead to lawsuits. In the above incident, if you are deceived into taking out a loan on an Internet financial platform, you will not only suffer a cash loss, but also the bad loan information may be entered into the credit system, which is not conducive to future housing and car loans.

2. The loan must go to the formal platform.

Due to the lack of Internet financial supervision at this stage, there are many platforms for buying dog meat, so you must log on to the official website to check carefully, and search and compare all kinds of evaluation information. For example, college student loans should be recognized for Jiurong Finance, because they are strictly audited, risk control access to the big data center, and the basic dynamics of students can be audited.

3. The loan must be used on the right path.

College students are still in the consumption period, and their ability to repay is very limited, and if they are overdue, they will eventually pay the bill from their parents, increasing their burden, so college students must be cautious about online loans.

4. Don't easily believe loan advertisements.

Some P2P online lending platforms use fake and shoddy advertisements to lure college students to register and take out loans, and the copywriting says to help solve the difficulties of students' basic learning and life in school.

5. Establish a correct concept of consumption.

College students should fully understand the hidden dangers and risks of online non-performing loans, and enhance their awareness of financial risk prevention; It is necessary to establish a rational and scientific outlook on consumption, and try not to take out loans and shopping on online borrowing platforms and installment shopping platforms, because the interest and liquidated damages are very high, and develop the excellent quality of hard work, simplicity, diligence and thrift; It is necessary to actively learn financial and cyber security knowledge and stay away from bad online lending behaviors.

The Dangers of Campus Loans.

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 vices 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 the debt from the student.

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.There are criminals who 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.

The most important thing is to let students consume rationally, don't buy if you don't have the ability, and the best root is to control your own consumption.

Institutions of higher learning shall strengthen students' education on financial security knowledge and legal knowledge, enhance students' awareness of self-prevention, guide students to develop a scientific and rational outlook on consumption, and prevent the harm of non-performing campus loans to students.

Article 20 of the Hunan Provincial Regulations on the Prevention and Handling of Student Personal Injury Accidents in Schools shall follow the national curriculum standards and local curriculum requirements to include student safety education in the content of education and teaching, and carry out safety education such as traffic safety, fire safety, food safety, network security, drug prevention, mental health, drowning prevention, anti-abduction, and anti-abduction based on the cognitive ability, psychological and physiological characteristics of students of different ages.

Institutions of higher learning shall strengthen students' education on financial security knowledge and legal knowledge, enhance students' awareness of self-prevention, guide students to develop a scientific and rational outlook on consumption, and prevent the harm of non-performing campus loans to students.

Article 21: Primary and secondary schools and kindergartens may, based on actual needs, establish a system of parent committees to jointly promote the prevention and handling of personal injury accidents in schools.

Article 22: During the commuting hours of primary and secondary schools and kindergartens, guards and security personnel shall be organized to be on duty at the school gate, and teachers and staff or adult volunteers shall be organized to maintain order; For students and young children under the age of eight, a system of pick-up and drop-off shall be established.

College students should be wary of campus loans and should do the following.

First of all, we must recognize the true face of campus loans and understand the harm of campus loans; Secondly, we must learn to take precautions, and we must do: we must establish a correct view of consumption; Eliminate shopping installment consumption; It is necessary to follow the consumption principle of "living within one's means and consuming rationally".

1. It is necessary to establish a correct concept of consumption.

Don't buy things that don't have a real need, and don't spend ahead of time for vanity. You can't have a sense of comparison, and you can't spend arbitrarily for high-end mobile phones, brand-name cosmetics and branded clothing. In terms of consumption, tearing down the east wall and making up the west wall will only make your life more embarrassing.

Do not cultivate the habit of paying with Huabei. A correct view of consumption can help you avoid the trap of campus loans.

2. Put an end to shopping installment consumption.

While installment payment brings convenience to consumption, it also brings Iwahashi to the consumption trap. Some of these service fees, installment fees, guarantee fees, and other charges. The entire installment is much more expensive than paying in cash, and some will be as high as more than thirty or forty percent of the goods called relatives.

3. We must follow the consumption principle of "living within our means and rational consumption".

Don't over-consume, don't compare yourself to other students, and realize that only learning is the most important thing. Get rid of the bad habit of overconsumption.

College life is wonderful, but it also contains many hidden dangers. As one of these hidden dangers, campus loans need to be properly dealt with and taken precautions. Refuse campus loans, reassure yourself and parents.

Colleges and universities should take the initiative to cooperate with the public security departments and financial regulatory departments to regularly carry out the work of mapping and eliminating bad campus loans, accurately crack down on bad campus loans, and safeguard the rights and interests of students. Both the school and the students are responsible. Schools should do the following:

Thoroughly popularize the knowledge of routine loans, and do a good job of prevention and publicity. Students should do the following: establish a correct concept of consumption, borrow money from formal channels, and deal with it correctly after accidentally falling into a routine loan.

Legal basis

Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases provides that if the interest rate agreed upon by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.