1, causing economic losses and mental losses to students and their whole families, and its nature;
2. The information of students and their close friends is exposed, and their personal lives will be interfered by loan companies, and even used by criminals to commit other criminal acts;
3. Induce the prevalence of campus consumerism and breed the bad habit of students' excessive consumption;
4. If the students are unable to repay, the loan company will make violent and malicious dunning, which will endanger the campus order and students' safety.
The above are the possible risks of campus loans.
Specific introduction of campus loan risk
1. The lending company of campus loans extends the evil talons to the university campus, which takes advantage of the weaknesses of some college students, such as strong vanity, poor preventive ability and weak cognitive psychology, and is vulnerable to the temptation of small short-term loans on campus. It seems that the interest rate of the loan is very small. In fact, the interest rate that the loan company can get from it is more than 20 times that of the bank, and it will snowball and eventually crush a family's life defense line.
2. Criminals engaged in campus loans use campus loan students to mortgage personal information and certain property. In this operation, criminals use the personal information of deceived students to make phone calls. The fraudulent use and illegal operation of students' personal information will affect students' personal credit and normal bank loans in the future;
3. Campus loans make students who have enough living expenses go to the false paradise of consumerism under the temptation of material things, and even induce students to gamble, skip classes and do nothing, which seriously affects their study life;
Once the students can't repay normally according to the agreed repayment period, the loan company will ask the students for money by various means. At the time of loan, students have mortgaged all their personal information. At this time, the loan company will call the students themselves and even go to school to threaten to beat the loan students. Not only that, criminals also go to students' homes to collect debts violently. More seriously, they will also entice students to sell their physiological organs for cash mortgage, such as donating eggs and kidneys, which will seriously endanger the normal life of students and their families.
Second, online loan for college students, is it reliable?
If you are really worried about this problem, you should know something about his money. This is the most reliable one I think so far.
3. Is there a safe loan suitable for college students now?
College students belong to the category of adults, and loans are completely acceptable. Please refer to the following: first, you can consult with the academic affairs office of the school to apply for a student loan. If allowed, the school will provide interest-free loans for start-ups You can consult the relevant communities with your diploma and ID card. If the conditions are fully met, you can borrow money. Third, in terms of bank loans, the state also takes care of college students' loans, but I need to have business premises and related work. In addition, the relevant interest-free policy provisions on college students' self-employment loans are as follows, which are the official provisions in China, and are now relayed to you for reference: 1, college degree or above, unemployed for more than two months, in the local labor and social security department.