During the National People's Congress this year, Li Jun, deputy to the National People's Congress and secretary of the Party branch of Jinyun Village, Baiyi Town, Cangxi County, Sichuan Province, will submit a proposal calling for strengthening the supervision and rectification of online loans.
In his suggestion, Li Jun said that with the development of platforms in peer-to-peer lending and peer-to-peer lending, more and more people are enjoying peer-to-peer lending services without knowing it or not. From a practical point of view, although peer-to-peer lending can alleviate the imbalance of consumption power caused by income inequality at different ages to a certain extent, there are also obvious problems, such as low application threshold, simple access conditions, irregular interest-bearing methods, illegal dunning, etc., especially in recent years? Routine loan, campus loan, naked loan? A series of online loan incidents have led to many family tragedies and social contradictions.
In view of this, Li Jun suggested improving online lending laws and regulations and strengthening supervision. Relevant departments should strengthen the supervision of bad peer-to-peer lending and require any online lending institution not to issue loans to students at school. The central financial management, industrial and commercial management, administrative management and advertising management departments should work together to formulate relevant laws and regulations, fulfill their regulatory responsibilities and strengthen supervision.
I believe that many students bought an Apple mobile phone when they took out their first loan just to satisfy their inner desires, which is the beginning of their tragedy.
Instead of focusing on studying hard to earn more wages to improve their quality of life, they hope to use loans to satisfy their inner vanity for a short time, which makes them bear some debts that are difficult to repay and fall into the abyss of loans.
Many students think that it is not difficult to pay a few hundred dollars a month after the installment loan. However, we should know that the loan also needs to repay the principal and interest, which is originally consumed in the early stage, which will reduce the quality of life in the future.
When many people can't repay their loans, they will choose to continue to borrow to support their loans, which will increase their economic pressure until they can't repay their loans. Sometimes students can't distinguish right from wrong correctly. Once they are allowed to control their credit cards, it is easy to bring huge economic losses.