Campus is borrowed, say campus net is borrowed again, it is to show platform of loan of a few networks faces the loan professional work that begins in school undergraduate.
Current, as the development of Internet information, use Internet to undertake all sorts of phenomena of bilk emerge in endlessly. And as platform of P2P Internet finance fast and arisen, the campus that development of numerous take advantage of an opportunity rises is borrowed in each big college is rapid change is red, the lead of student unbridled consumes kind, make its became the prey in usurious mouth, they lay the view campus, bring about student group deep-set usurious case is increasing, in the trap that the student sees at hand insecurity go usurious step by step for delay hard extricate oneself, its also often are to the family broke up as a result, bear bearinged liability extremely, the circumstance that rolls profit in benefit falls to owe more more.
Why the undergraduate can borrow " campus is borrowed " , be because,poor?
If university campus is same a small society, be in an university besides study, intercourse circle also is very big, extravagant and extravagant life basically is common occurrence. This is not individual undergraduate ability some phenomenon, in the report that Chinese youth newspaper investigates about undergraduate consumption, made an investigation to 2000 student, in this among them, the person that has near 80% is moon a group of things with common features.
Besides extravagant and wasteful daily spending, return those who have an undergraduate to vie psychology is very strong, if inside the dormitory, what others wears is a brand, oneself can produce vying psychology. If domestic economy does not allow, the campus of so low doorsill is borrowed even if they combine the option of intention most. Want ten minutes only, fill in the information such as information of individual identity, family identity and home address, get thousands of with respect to can light light Song Song, get on 10 thousand even.
But money is to borrow in one's hand, to the undergraduate without income, reimbursement is a difficult problem, have hardly on time of reimbursement, it is have on time reimbursement, also return can beneficial interest to was not paid off. Roll profit with respect to such benefit, itself just borrowed 1000, the accrual with constant in a steady stream is about to return tens of thousands of.
Some people still are not over, can go other platform loan, tear open east the wall fills on the west wall, finally is cavity everywhere, even finish oneself future. And because hand in,the student that borrowed campus to borrow does not have a person is do not have tuition, also or living cost brings about. Recently, the country aids financially a system to undertake survey to the undergraduate, the campus that discovers this two years borrows incident, most is because of oneself consume above quota, also or other reason of the individual is caused.
The fact proves, the consumptive outlook of a lot of undergraduates did not get be establishinged correctly. Excessive vie, extravagant consumption, protect consciousness without ego, before temptation, did not abstain ability. Ability can cause the upsurge that campus borrows, appeared these mournful tragedy. Hitting campus to borrow platform is certain, but it is more important to let an undergraduate learn ego management!
So is campus is borrowed how pull the student into trap step by step?
Elaborate design covers a region
It is with " consume finance " or " consumption in installment " name, entice in school student, for example face-lifting is borrowed, groom borrow, mobile phone in installment, invite applications for a job is borrowed wait for multifarious form. 2 it is to pass low doorsill loan to be bait, the student that entice cooperates with its.
Cast a bait of low interest low doorsill
Enter pit step by step to let you, campus borrows a regular meeting to give out accrual doorsill of low, loan is low puzzle sexual method, perhaps change interest of reimbursement difficulty, loan to wait infirmly. For example, campus is borrowed can tell you, our loan interest rate is less than 3 li, lower than the bank; Whats do not need, need a piece of id card only or student's identification card can borrow money; Borrow every 10 thousand months to need 100 yuan interest only, with respect to money of a meal, very low.
Sign false contract
Next, cheater can sign a contract with you, but the clause that imparity exists among this contract, include but not amount of tall loan of empty of be confined to, borrowed only originally 10 thousand, write into 20 thousand in the contract, perhaps sign contract of yin and yang, besides standard contract, return can additional requirement to hit an IOU to wait. Be like students of pair of jury lending money, because of safeguard of him need reimbursement, flicker student opens a Yuan Chao to live the receipt for a loan of loan amount.
Production bank running water
The contract has been signed, cheater gets stuck with respect to the bank that can turn loan amount into you, but meeting group person accompanies you to go to a bank be being taken out entirely, ask you retreat one share amount to give cheater again next, formed bank running water and the evidence that loan adds up to to agree together so.
One-sided makes break a promise
In this link, cheater can be used normally " do not answer a short message, do not pick up the telephone " the reimbursement that waits for means to reject to accept you, and intended and protracted, the purpose is to make the case of exceed the time limit of your break a contact. Such cheater are OK collection penalty due to breach of contract. This penalty due to breach of contract is very tall for certain, and benefit rolls profit. In covering a road to borrow series case like what procuratorate of people of appropriate beautiful division deals with, guilty suspect holds break a promise at will, ask for charge of etc of penalty due to breach of contract of high specified number next.
Lend new fund old still Zhang
Once your break a contact cannot repay loan and accrual, cheater can give an idea, introduce you to go to other company again loan will repay the loan before this, and this moment, you still can regard cheater as possibly good person, little imagine had entered another decoy. If do not have the student of loan to returning, coerce side of its classmate, friend returns loan, help without ability, press classmate borrows money, form interlink to borrow.
Ill will chases after debt
To this link, you cannot have repaid loan. This moment, cheater can be chased after through all sorts of methods demand loan. Undertake force is urged for example close, the life that annoys parental friend, it is to force a schoolgirl to be engaged in shocking profession repaying even loan (like campus " naked borrow " ) wait for a method.
How does the undergraduate avoid illegal campus to borrow?
It is easy that once produced exceeding to consume vanity,the student that still had not had much contact with the society is in in campus enroach on of the place that be borrowed by illegal campus, in the endanger and makes oneself ceaseless be immersed in high interest loop that vie to satisfy what oneself and other undertake and disregarded illegal loan. Let below small make up how to tell everybody the undergraduate avoids illegal campus to borrow?
1. guiding undergraduate establishs true viewpoint of value, rational consumptive sense.
2. consciousness boycotts one-sided pursuit creature comfort, boycott lead consumption and excessive spending.
3. popularizes the financial knowledge education related investment and consumption, help student is established, education is on guard " above sb's bend " risk and identify all sorts of illegal and leasehold consciousness and ability.
4. parent also needs to communicate economic condition in time with the child, guide the child reasonable consumption.
