Anti -fraud small classroom 丨 "I heard that college students are best cheated"

"Two minutes of review, five minutes to account"

"No mortgage, remit money in minutes"

"Low threshold, high quota, no risk"

There are countless advertisements

But behind this seemingly seductive words

It is a trap that has been dug

In recent years, "campus loan" has been repeatedly exposed

Why do you enter the "campus loan" as deep as the sea?

Come and see its true face!

"Training loan"

When encountering a company with good salary at the time of job search, when signing a training employment agreement, a high amount of training costs must be paid; when many students are unable to pay, the company personnel said that they can first loans in the company or third -party; After the loan, the company promised not to get it, but instead owed tens of thousands of yuan in loans for "training loan".

"Learning loan"

The staff of the criminal pretending to be a vocational training institution recruits the students and lies that the number of applicants must be used to get the performance. As long as they go to the register, they can receive the reward; the tuition fees to participate in the training need to be paid through the loan. In the principal and interest, the applicants do not need to bear any costs; soon after, these training institutions went to the building, but the applicant had a huge loan.

"Return to Loan" (ID loan)

Students "lease" mobile phones to the loan platform and bind the specified apple ID; the platform "evaluate" mobile phone price. The corresponding "service fee" and "assessment fee" have been deducted in the loan; because the mobile phone is used by me, the platform shall be "rented back" in the form of mobile phones, and For repayment amount), if you do not repay on time, you can threaten borrowers by reading mobile phone address books and mobile phone positioning.

"Naked loan"

The borrower (mostly female college students) borrowed money through the online lending platform and set up high interest; the borrower's nude photo holding the ID card as the guarantee; when the borrower could not repay on time, the lender publicly disclosed his nude photos and instead of it. Parents' contact means forced repayment.

"Beauty Loan"

It is mainly aimed at the student group who loves beauty but lacks money; when students are unable to pay surgical fees, the consultant recommends credit loans and installment payment to encourage students to loans with "no handling fees and interest"; due to beauty institutions and financial platforms There is a cooperative relationship, and the loan issuance process is more casual, and the hidden financial risks.

"Single loan"

The criminals call the employees of the online loan platform "brush the single -handed performance" and pay a small commission as a remuneration; induce students to apply for online loans with identity information and transfer the loan to the designated account; Student loans; Finally, the scammers run the money with the money, and the students need to pay it for their own repayment.

"Focus Loan"

Taking college campuses as the goal, and conducting inductive marketing through cooperation with technology companies; for college students, a short -term Internet consumer loan from 1,000 to thousands of yuan is issued, and its interest rate often exceeds 36%of the legal red line; "zero zero zero zero The down payment "" "" You can change your mobile phone without selling the kidney "and other gimmicks, which seduce college students to consume excessive advance consumption, causing some college students to fall into a high loan trap.

"MLM Loan"

The criminals use the campus loan platform to recruit college students as the campus agent; it is required to pay the meeting fee, develop offline, and conduct a step -by -step commission, which has the characteristics of MLM.

In addition to the above -mentioned "routine methods"

"Campus Loan" can be described as ever -changing

How to prevent falling into the trap?

Keep the following points in mind to be deceived!

Protect personal information

College students should strengthen their awareness of prevention, use it carefully and to properly keep personal identity information, and do not easily leak key information such as their family address, dormitory address, parental contact phone number and other personal privacy. Provide loan guarantees, do not promise others to apply for installment loans through the online lending platform in their own name.

Establish the correct values ​​and consumer outlook on consumption

Establishing the correct consumption concept is the basic prerequisite for avoiding the trap of the "campus loan". College students should establish the correct values ​​and consumption concept, rationally understand their consumption capacity, formulate consumer plans according to their own economic conditions, reasonably arrange living expenditures to avoid excessive excessive excessive Consumption and advanced consumption, do not blindly consume, do not follow the trend, cultivate rational consumption awareness and good consumption habits, and learn the reasonable allocation and use of money to make money.

Understand just borrowing channels

If you really need to apply for a loan, you must communicate with your parents first, carefully evaluate your repayment ability, and seek a legitimate borrowing channel to seek a legitimate borrowing channel in a regular banking financial institution to apply for related businesses such as school assistance, study abroad, and entrepreneurial loans. Before the loan, you should also read the content of the contract carefully to clarify important information such as the loan quota, interest rate, repayment method, and liability for breach of contract to ensure that the terms of the contract are legal and reasonable.

Be wary of "cancellation campus loans" scam

In fact, the relevant departments and the industry did not introduce the so -called "cancellation of campus loans" operation, and personal credit information could not be modified. As long as college students can repay the loan on time after borrowing, it will not affect personal credit reporting.

If college students have questions about personal credit reporting, they can consult with official channels such as the information service platform of the local People's Bank of China, the information service platform of the Credit Center of the People's Bank of China, or the customer service phone call for the credit reporting center. When receiving a self -proclaimed loan platform staff who requests "canceling campus loans" or similar calls, we must maintain high vigilance, protect their own property safety, and do not easily transfer to strange accounts. Actively learn financial consumption knowledge

College students should take the initiative to learn about financial consumption knowledge, especially to understand the laws and regulations of financial services and the country's policy on college student loans, improve the ability to identify and self -protection of various forms of "campus loan" traps, and to borrow loans "Free", "discount", "discount" in the advertising publicity of the institution's advertising should be more eye -catching to enhance the awareness of prevention.

Protect yourself with legal weapons

The Chinese government has always attached great importance to the rectification of bad "campus loans". The Ministry of Education and the Ministry of Public Security as the leading department will continue to severely crack down on bad "campus loans" institutions to protect the legitimate rights and interests of students.

Therefore, if the students accidentally step into the bad "campus loan" trap or encounter the case of suspected bad "campus loan" fraud, they should actively collect and retain relevant evidence. "The" Report Channel "column in the WeChat public account is registered and reported, provided clues, or directly called the 110 alarm to ask the teacher for help.

As college students

Must cherish youth

Far away from bad "campus loans"

Consciously resist illegal "campus loan"

Remember!

You are the little baby of the family

Don't cry for scammers!

Source | 学生 Chinese student funding (State: "Shangqiu Institute of Technology" WeChat public account published this article, because of the purpose of passing more information. If there is a source of labeling errors or infringing your legitimate rights and interests, please contact us in time, We will correct, delete or deal with it in time.)

Exciting recommendation

First trial: Yang Xiaolin

Second trial: Chen Ming

Three trials: Wang Baoqi

Editor in this issue: Wang Ke

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