on line loan by college students作文

Since foreign online lending platforms were introduced into China in 2007, domestic online lending platforms have targeted the college student market, and campus loans have developed rapidly. In addition, in 2009, the CBRC issued the Notice on Further Standardizing Credit Card Business, which further clarified the applicable objects of credit cards. Since then, the use of credit cards on campus has declined significantly, and there has been a temporary gap in the college student market. Campus loans have seized the opportunity and quickly occupied.
According to the data, as of 2014, there were 1438 online loan platforms in China, with a total transaction volume of 100 billion yuan, involving a wide range of fields and objects. In addition, the 2015 Survey Report on College Students' Consumption Analysis shows that more than 60% of students choose to spend by stages. These huge campus network loans are usually divided into three types: one is a staged shopping platform specifically for college students; Second, personal to personal network loans, mainly for college students and entrepreneurship; Third, credit services provided by e-commerce platforms such as JD and Taobao.
The Harm of Campus Network Loan
1. There are many online lending platforms on campus. In order to seize the market and compete, they will deliberately conceal or increase the actual repayment interest from college students, and will also force college students to pay various additional fees for various reasons, such as consulting fees, late fees, liquidated damages, etc., which cause large financial losses to college students.
2. The online loan platform has low loan threshold, lax review, and does not consider the income of college students, the use of loans, repayment ability, repayment sources and other issues. This is an extremely irresponsible behavior, which encourages college students' unreasonable consumption outlook.
3. The online loan platform's way of collecting repayment is very crude, simple, and uncivilized, such as sending threatening text messages, threatening phone calls, and spreading student news. It not only discloses the personal information of college students, but also damages the reputation of college students, causing a great psychological burden to college students who borrow money, and easily leading to
the tragedy that college students commit suicide because they can't bear the huge psychological pressure.
4. The loan objects of campus online loans are college students, but most of them have no ability to repay debts. Therefore, it is easy to transfer the risks and hazards of online loans to families, increasing the burden on college students' parents and families.
5. In some cases, when college students are unable to repay the loan and dare not tell their parents and schools, they will strongly encourage their classmates and friends to take the road of online loan, causing a wider range of victims. Borrowing college students are also very likely to take criminal means such as borrowing from multiple online loan platforms to obtain funds, such as robbing and stealing.
The reasons for the prevalence of campus network loans. In fact, the campus network loan is just a tool and a platform. Whether it plays the role of "angel" or "devil" depends entirely on its users. The emergence of campus network loan chaos is by no means a problem on one hand.
As for the online loan platform, there is no problem with the campus online loan itself. The problem is that some bad businesses are actually doing usury business in the name of campus online loan. On the online loan platform, students do not need to meet and sign a contract with the borrower. They only need to provide information such as student ID card, ID card and bank card. There are few borrowing requirements, and no proof materials are required. The threshold is low. Besides, cash is distributed quickly, and they are also confidential to schools and parents, which is very consistent with the consumption requirements of college students. Moreover, the online loan platform misleads and induces college students by means of low interest and installment payment, which makes college students easily fall into the trap of online loan.
For students themselves, many college students are the only children in their families. They live a superior life at ordinary times, have no very specific concept of money amount, do not know the difficulty of making money, and are blindly optimistic about family conditions and loan repayment ability, which makes them
easy to form a competitive and irrational consumption concept. The consumption demand and purchasing power of college students are relatively high, such as electronic products, learning materials, daily necessities, party entertainment, luxury accessories and other needs, but the source of funds is relatively low. Generally speaking, college students just want to spend money, but they have no money to spend. At this time, the convenience and low threshold of online loans provide a shortcut for their advanced consumption.
For parents, many parents think that their children are adults, and they are too confident about their children. They do not care about the source and destination of their children's funds in a timely manner. For the "unexpected bill" formed by children's irrational consumption, most parents will choose to pay for the consequences caused by their children, because of their responsibility and care for their children, and also because they can't bear to let their children bear credit stains. However, parents also lack a certain understanding and cognition of campus online loan, and their mentality of "more is better than less" indirectly encourages the unreasonable lending behavior of online loan platform, forming "campus usury".。