@: Facing the "campus loan", please take this defense strategy!

"Low threshold, high quota, no risk"

"Two minutes of review, five minutes to account"

"No mortgage, remit money in minutes"

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?

Currently, Zhongshan college students

What is the perception of "campus loans"?

Let's pass below

For a period of interview with the Zhongshan Consumer Council to learn about it

Please collect this prevention strategy!

Follow the footsteps of the Zhongshan Consumer Council

Open the true face of "campus loan" together!

1. "Bare 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 the means to be repaid.

2. "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".

3. "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.

4. "Back to rent 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.

5. "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.

6. "Sub -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.

7. "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. It is easy to be deceived if you don't pay attention. Prevent strategy is closed!

At the beginning of the school, college students must be vigilant, must establish a scientific outlook on consumption, and not be seduced by false commitments. What are the hazards of illegal "campus loans"? How to prevent it?

The following three points, let's keep in mind:

After enrollment, some illegal institutions have adopted various means to trick students in schools to apply for bad "campus loans". The National Student funding management center issued an early warning to remind everyone to be vigilant and deduct the temptation.

1. Sober mind

Bad "campus loans" are used to trick students through "zero interest", "super convenient" and "zero risk" and other beautiful lies. Be sure to polish your eyes, want to clear the consequences, and don't trust the so -called "convenient and fast". Be sure to understand that there is no "secret of getting rich" that you only know and others do not know. 2. Spending money to be rational

College students are already adults. They must have the spirit of self -reliance and self -discipline. Do not compare what mobile phones, what computers are used, and do not compare what brand names and meals to eat. Instead, you must reasonably arrange living expenditures, quantitatively, consume rational consumption, and use time and energy to improve knowledge learning and skills.

3. Borrowing money to take the "right path"

For students who are urgently needed to start a business or try to participate in training courses, they should be cautious. In terms of entrepreneurship, college students must do their best, but also do their best; they must both outline the beautiful blueprint and evaluate various risks; they must have a passionate enthusiasm, but also think twice. Even if you have a strong willingness to start a business, you must solicit the opinions of teachers, parents, seniors, and professionals. If you do n’t get loans, you must choose a borrowing product of a national formal financial institution with high security factor and good credit reputation.

Youth is not liabilities, stay away from campus loans.

Source: Zhongshan Consumer Council

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