One, campus is undesirable the common method with leasehold network
01 undesirable borrow
Basically show those accept false conduct propaganda, lower loan threshold, conceal actual the disagreement plan step such as endowment cost standard is revulsive the student is excessive the platform that consume or brings baleful loan to the student.
Risk analysis: Undesirable campus is borrowed often put in cost to lead doorsill of unidentified, loan low, examine and verify is lax, uncivilized urge receive method, risk to accuse hard, wait for family of risk impute to easily risk problem, should try to identify.
Safe clew: Want determined boycott to use " undesirable campus is borrowed " , answer to undertake appealing to family or school to requirement of capital of a few provisionality.
02 usurious
According to regulation of top people court, leasehold both sides agrees annual interest leads those who exceed 36% , it is surely usurious, law does not grant to ensure.
Risk analysis: With monthly interest " 0.99% " the campus that is stunt is borrowed in installment easy cause " low interest " false appearance, add platform to serve cost, become exceed annual interest to lead the freeboard interest of 24% ! Be like pay fine for delaying payment, exceed 36% to turn into illegal usurious.
Safe clew: Know usurious judge level, the attention knows the news such as consequence of deadline of interest rate, reimbursement, exceed the time limit in detail, be evaluated in the round and make sound reimbursement plan, boycott high interest to borrow stoutly or usurious platform, when entering pit by accident, want to call the police in time.
03 bull are borrowed
Because borrow platform to have loan from many campus,basically point to, form a kind " in order to forgive repay a debt " the bull of type is borrowed.
Risk analysis: "Bull is borrowed " the problem depends on campus borrowing platform not just normal, more the reimbursement pressure problem that having borrowing money be bringinged about directly at borrowing platform from many campus.
Safe clew: Want high vigilance, advocate " sharpen one's eyes " , increase be on guard consciousness, discretion uses individual information, do not fill in at will and divulge individual information, borrow a product to promoted network, do not trust blindly, raise what oneself shifts business to the net to discriminate, boycott ability.
04 pass annul borrow
Basically show undergraduate of recruit of platform of loan of campus of illegal element have the aid of acts as agent as campus and the requirement develops a student to get offline undertake chasing class accumulate wealth by unfair means.
Risk analysis: Judgement passes 3 sold levels: Whether to need to hand in membership due; Whether to let development get offline; Whether to undertake chasing class deduct a percentage from a sum of money. Most student is to be in not know the inside story and interest are driven fall to be used by illegal element.
Safe clew: Understanding passes the decision criteria that sells bilk, also should be opposite of all kinds with " campus borrows money " the representative of concerned part-time job that name has keeps vigilant, beware fall to pass market a tissue.
05 groom borrow
Those who playing financial innovation banner " groom borrow " solid for " campus is borrowed " new mutation, special hole cheats the undergraduate with experience not dark world.
Risk analysis: This kind of campus borrows bilk fact to carry kind of false conduct propaganda for bilk element, rely on grooming below the appearance of the orgnaization, coax student attends loan pay cost, concealed more covering road, its endanger a gender to not allow small gaze.
Safe clew: Stand at attention wanting a tree consumes view and monetary view truly, enhance ego to protect consciousness, think carefully when the project that borrows money to involving campus, undertake in time appealing to the school or domestic person.
06 brush sheet to borrow
Basically show illegal element uses heart of undergraduate to apply for a job in, in order to brush the new-style bilk that only loan gets commission name to undertake.
Risk analysis: Undergraduate of illegal element coax applies for network loan with his identity information, turn loan Zhang assigns Zhang number to what cheater offers, every loan brushstroke can get the student commission. Finally, the money that cheater took loan runnings road, the money that has not repay still needs him applicant to repay.
Safe clew: Want high vigilance " the part-time job that brush sheet " fraud, the unit with normal, high prestige must choose when to apply for a job, beware " good intention person " action of active introduction job.
2, how be far from campus undesirable network is leasehold
(1) consciousness of education hardworking and thrifty, correct lead consumption, excessive spending and wait for wrong idea from numerous consumption, education consumes an idea reasonable consumption, rational consumption, scientificly.
(2) increase be on guard consciousness, discretion uses individual information, do not fill in at will and divulge individual information; Borrow a product to promoted network, do not trust blindly.
(3) popularize credit knowledge, popularize knowledge of plan of law of financial credit and network safety knowledge and relevant law.
