Campus credit savage development: runaway risks heavy-student loans NET loan-IT information
On March 9, obsessed with joining gambling Institute of Henan animal husbandry economy college students, campus network after the credits due to the more than 600,000, jumped in Qingdao.
Joining the suicide, make various kinds of "campus NET loan" platform is exposed to the public view. College students credit card business after he was stopped, the "campus NET loan" headed in colleges staking, through agents and intermediaries, in the middle of college student loans.
Some online loan companies to expand their business, lax risk control loan auditing is useless, as ordinary as joining the hundreds of thousands of student loans, eventually into a pay wall. In addition, some online lending platform or even malicious to lend, to weave "service charge", "late fee", "rush charge" trap by collecting interest on the principal in various ways and reap enormous profits that many students into a net loan quagmire.
Zheng Xu′s death, and opened into a corner of the campus network of loan, while behind, is the lack of financial legislation and regulation for the Internet. As joining the father puts it, the tube.
From Zhengzhou, Henan
Son died the 14th day, old Zheng still get DUN call, the other said joining the still owe 20,000 loans.
The 46-year old farmer spoke of dengzhou, Henan accent, muttered: "joining the dead. ”
DUN people do not seem to want to believe that, thinking it was an excuse to default.
Can′t resist, honest, the small old Zheng shouted into the phone: "kids are gone, kids are your kill. ”
As a father, in addition to the unbearable pain of bereavement, the challenges he must face his son left, an amount for the average farmer, almost 600,000 of astronomical debts.
Although from a legal relationship, Zheng there′s no need for the debt, but he thought his son was a drag on many students, I hope the school and net loans also give way, "do not have a student go joining the old. ”
? Posted on the campus of Zhengzhou University campus network credits advertising. Campus agent of these ads, mostly students.
Life-loans
Students, said Zheng Xuben is going to Qingdao for mobiles, good back loans, jumped to his death from the results.
"I heard jumping fall and hurt, but I′m really too tired, brother, and really thank you very much for taking care of me before, I′m joining the sorry everyone. "The night of March 9, joining the left this message in the letter the Group suicide.
Prior to this, the college students from the countryside, had committed suicide 4 times, causes are associated with high overdue loan and fees, also have break Dun.
Because of gambling, he owed more than 600,000, most of these outstanding loan from campus network platforms, many of them outstanding, even he abused or help students handle the amortized loans.
This involvement is 28 students at the school, including arrears up to reach more than 110,000 yuan.
Students long law firm, Fujian, Henan lawyer as an agent, by the firm for their rights for free.
Fujian accepted, Internet financial regulatory gaps in the law.
He questioned the qualifications of 11 online lending platform, he considered that, in the context of business, financial business and financial loans are not allowed, "but these loans on the company′s official website, has explicitly stated to Transact financial business, loans. ”
After a thorough investigation, Fujian also found that online lending platform behind the hot, also hid a lot of fishy, even student loans, are not signed.
Joining the Dragon name in credits on multiple platforms more than 100,000 yuan. Dragon says, go through stages in the Nono pounds, do not need to sign a contract, don′t sign, is joining the mobile phone in the bedroom as he recorded a video, upload it to the Internet just fine, "and staging of the term of the contract, are not my signature. ”
In addition, Fujian also found some online lending platform over propaganda and exaggerated stage products, such as low interest, zero down, zero threshold, from security, "but charge high service fees in disguise, in fact more than interest. "Fujian said some net loan company even suspected contract fraud, failure to fulfil obligations, deliberately make students late, charge exorbitant late fees.
A sum of default loans, as well as the high cost of demurrage, joining the unbearable pressure.
He writes on the Internet post, he went to work trying to make money payments, but more than 2000 Yuan income each month, there is a drop in the bucket.
He went to Qingdao, is also associated with the loan. Dragon said, students, joining the claim to go to Qingdao to sell their kidneys for money, "came unexpectedly jumped′s message. ”
Ball business
According to the school profile, this school two or three loans of up to 20,000, a maximum of 40,000.
Joining the loans network platform, there are more than more than 10, a local, there are provincial.
In Zhengzhou local, well-known two student loans, namely Zhengzhou, Butler, or her credit, one of the most popular four from outside the province: stage credits, love learning, excellent staging, Nono pound loan.
Last August, the credit management research centre at Renmin University publishing the national study of college students ′ credit report showed that 8.77% student loan funding, which accounted for 5.33%, the network of micro-credit loans loans 3.44%. Academy of speed according to the way the 2015 results of college students staging survey, 61% college students tend to choose installment of consumption.
Watch wind, businessman Yin Yan was prepared in this huge market share.
Registered companies is simple, just run the business registration and a letter to departments for the record, began to engage in net loan business.
Yin Yan understood, this is walking, in the gray area walk.
Within the scope of industrial and commercial registration and free loan business, so the net credit is a service company and the students signed management contracts, is not a contract of sale or loan contract.
According to the school′s reputation, credit, and up to 20,000 yuan, three schools, a school may reach 40,000.
Staking P2P platforms only need ID cards, network information, student ID, phone number, give loans, "platform for rapid development at any cost. ”
But the industry than he thought it would be a mess.
Now is a net credit of Yin Yan, General Manager of the company introduced network credits the company′s profits came from service fees and overdue fees, these fees are fixed by the network credits the company′s own standards, more casual, General Service fee is 5% per cent of total loans, some platform or even a 10%. Demurrage is big, if overdue, students 10% for additional loans, and more.
"Some companies deliberately did not inform students, makes you late, made for breach of contract. "Yin Yan said.
Campus agent
Campus agent, Yan Dong up one had received 74 loan phone.
After joining the suicide, the Henan Institute of animal husbandry economy in which schools, cleaning and security every day to clean up the campus network loan ads posted throughout the campus.
Dragon said, and joining the roommate, joining it was seeing NET loan advertisements, step into a blind alley.
Two major universities in longhu, Zhengzhou Longzihu district, reporters found in almost every college and University, have psoriasis as net credit advertising.
More than more than 20 major colleges and universities in these two areas, nature and the focus of campus NET loan company staking.
Net lending company workers said, in order to develop two broad College of business, the company not only set up a regional manager, each school also set up a campus Manager, go down to the various departments, setting campus agent.
Them in the most basic representation known as "campus ambassadors", or "campus elite."
Yan Dong, Zhengzhou is a college senior who, in early 2015 to become a "campus ambassadors", 2% of the total fixed income every month, the loan Commission.
As an agent, the first step is to pass out leaflets and put up notices, "lack of money the student will think of you some day".
Starting from junior next semester, Yan Dong agents spend most of their time in the top, unless the exam, he will skip, do business, twice failing, classmates teased him as a loan shark.
Advertisements as bait, after the roll out, waiting for fish to bite.
Said Yan Dong, up again, he took 74 calls in a day, "one bowl of noodles to eat a few of the 5 calls, and then eat a few mouthfuls and received a phone call. ”
Even if the "height" in the past, Yan Dong business in a day or two there will be a single.
"Acting long after General Agency development. "Said Yan Dong, agents if you have multiple platforms business, became intermediaries, agents on campus, and 80%.
Just a few months, he would become a net credit the company′s District Manager, was in charge of range Lake campus of more than 10 universities, to complete the performance of more than 100,000 each month. Then his income in a month, earning about 1200, plus every single 0.3% of the Commission.
Many local people in the industry believe that general agents one month salary of around 2000, campus Manager can earn about 10,000 yuan, a District Manager you can reach several tens of thousands of Yuan.
Agency Lake
Agent loan Commission not only on campus, or at a nominal fee from students, "killing one is one. ”
Campus agent income high, is not at all acting royalty fees.
An online loan company said Yin Yan, General Manager, mediation in addition to commissions, earned the bulk of students there, namely nominal extra charge, such as money, information, agency, and the rate of total net loans by lines of 10%, "kill one is one."
"Students ′ students, holding company. "Yan Dong said," if it′s not too exaggerated, can understand every single receiving a two hundred or three hundred dollars. ”
Said Yan Dong, some students to pay off debts, the number of loans, robbing Peter to pay Paul, entered a vicious circle, just like joining.
In addition to cash loans, campus mediation can also help to students who need loans to cash.
A virtual trading cash, cell phone stores and net loan company merchants bought cell phones, fake agreement is reached, a set price 5200 phone, students take 4600 Yuan from the intermediary, and the rest left to intermediaries.
Another kind now, the student takes the phone, handed over to intermediaries sell, mediation can make 1000 Yuan post.
Said Levin, a net credit risk control company Manager, intermediary after the accumulation of, with some capital, private loans.
At the Lake campus, there is a story: a junior school, after the Agency made money, owned a company that specializes in network credit intermediaries, seven or eight people were working.
Students are drilled into the blacklist due to overdue debts, such students cannot be normal loans, but there are intermediary to do black students business, service fee percentage is quite high.
Zhengzhou longhu district agent of one of the students in colleges and universities, said, for example, loans with a total of 3000 Yuan, students receive 2000, good, "I know who has a 30%. ”
In addition, the intermediate students can also be packaged into work, false labor contracts to hundreds of thousands of loans.
Such lending, and does not have to worry about default please?
Levin said NET loan company touch characteristics of prospective students and their parents, fearing his reputation won′t graduate, even went to work to repay, and the parents will care about the students, "student not parent. "But it also has students do well in school, to run for," collection there is no way, can only be regarded as bad debts. ”
Yin Yan introduction, loan companies, bad 2% is normal, bad debts have reached the 10% many platform, some overdue ratio even up to more than 50%.
"Dun ten-step"
Students ′ parents to friends over the phone, is the most important NET loan company mortgages, once the arrears, a reputation for kidnapping.
In order to reduce bad debt and overdue rate, net lending companies in the DUN on all his charm, special collection team was born.
"There will be intimidation, too. "A net loan company, said Yin Yan, General Manager, reason is to make performance risk sure lax, enable students to low barriers to entry.
Levin, risk control head, is has himself of a urged paragraph "ten Department song", respectively for: to all loan students mass QQ notification late, separate sent SMS, separate call, contact loan students roommate, contact students parents, again contact warning students I, sent lawyer letter, to school find students, in school public occasions posted students arrears of posters, last a step, mass SMS to students all friends.
" Generally the fourth step, the student will pay. "Levin said.
In addition, students ′ parents and friends and family phone numbers, you become most important mortgage loan company, if overdue, a reputation for kidnapping.
Joining the father still didn′t get rid of the reminder message.
On March 16, he appeared a collection letter in the phone message: "collection, you refused to pay".
Joining the Dragon said, classmates, the platform will call threatening him, in frequent text messages this year, fussed over one day, Chinese new year also did not come home, for fear that parents know, and even platform DUN sent people to the school, sometimes 35 people surrounded by outstanding students.
Students provide SMS screenshot to show to reporters, net loan company in debt, violent language.
"Students, remember, less money is not a big, no matter how long you drag this account do you think you can get away? "You all of the information in this, don′t think for yourself, and your parents think. ”
"Jin Yang (pseudonym), it seems that I really help you in front of the school′s string of firecrackers banner! Do you really think that love learning credits you have no way to be! Do not face default stuff! ”
But after joining the suicide, Levin also recognize, can′t break students again.
More students from less money, are recorded into the "black list", the net loan lending companies no longer easily.
Net credit manager in a unofficial personal information release platform, enterprise network loans overdue arrears, check with the student′s credit situation.
They call it a "platform versions of the blacklist."
"Some net loan company will upload the list of the company′s overdue, owed, but the credit and banking system does not matter. "Yin Yan said," these blacklists are not comprehensive, a voluntary post. ”
? On March 23, a student out of school of Henan animal husbandry economy. Earlier this month, the school′s sophomores joining the default loans suicide triggers concern.
Regulatory vacuum
"Strictly speaking, no Internet financial enterprise, Zhengzhou city. ”
Net credit credit "blacklist" is a folk version of, while net loan company does not appear to hang in the Government sector.
"The Zhengzhou P2P is there? Yes, there are a few? We didn′t know. "On March 23, the Zhengzhou municipal government financial official said, national Internet banking is not clearly defined, therefore, P2P no regulatory body.
A few days ago, auditing Department to the Finance Office verification of P2P data, the official replied, "we don′t know, like it doesn′t matter with us, and does not require approval, for the record. ”
As Director of the Henan provincial administration for industry and commerce enterprises registry, Jin Wei is responsible for auditing for access to enterprises within the province.
Once someone is here to see her go through the Internet registration of financial enterprises, Jin Wei think finance is a non-bank financial businesses, she let him go to finance Office of information policy, policy.
"Strictly speaking, no Internet financial enterprise, Zhengzhou city. "Jin Wei said that Internet banking, at present there is no compulsory administrative approval, are not allowed to add, so some backdoor financial enterprises on the Internet e-commerce, online lending business.
"This is the force of the legislation. "Jin Wei said the Government was too slow to respond to network financial rise, lack of supervision for too long, needs to be top-tier design.
It is understood that on December 28 last year, the China Banking Regulatory Commission issued the Web credit information agency interim measures for the management of operational activities (draft for soliciting opinions), which is the official online lending industry for the first time released specific regulatory approach.
This approach defines the Internet financial network information service of lending activities, and explicit regulation, supervision of the banking regulatory agencies of the State Council, at the same time, follow the "who approved, who control" principle, the local finance office is responsible for risk prevention and management.
This means that P2P is not licensed, but similar to the management of micro-credit associations, promoting self-examination and self-correction, clean up, etc. "Finished its consultation, will soon be issued. "The CBRC Henan province, Li Xinjun said the Director of supervision of non-bank financial institutions.
"The new law before the vacuum phase. "Li Xinjun said the problem developed is that regulation is not clear at present, network financial company to the CBRC for the record," we have no control over these situations. "
Worth noting is that in 2016, two sessions, in the Government work report, the words "standard Internet development finance" in "2016 focus section" of Internet financial industry into the "supervision age".
Entering the school controversy
Students on net lending into the campus has views of both, but most officials and experts, more emphasis on rigorous credit, audit.
After joining the suicide, the network is not only questionable lending qualification issues, net loans matter of whether on campus, also triggered a huge controversy.
Net credit risk control manager, Levin believes that college students like amazing things, strong consumption desire and financial platform for the development of the Internet, fill the gaps in credit cards.
"College students are adults, but sources are mainly the parents, students and have little ability to repay. "Joining the students believe that networks borrow student vanity, could not enter the campus, students have no ability to repay.
Zheng Xu′s father said, student loans must go through parents ′ consent, but not to the number of loans.
Internet, Deputy Director of the finance Research Institute of Zhejiang University Li Youxing believes that now campus credits belong to consumer finance, "to protect the earmarks, that is responsible for the student. ”
In his view, to student loans to fixed, accommodation, information and fees regular lending is directed directly from lenders to schools, and critical examination of the use, such as an Internet financial money issued to feel secure, the borrower is also responsible for.
Registrar of Administration for industry and commerce enterprises in Henan province, Jin Wei said during the Internet finance in countries in transition, solve the financing problem, the form is good, "cannot be totally banned. ”
In her view, some college students have started businesses, economic capacity, fixed income, as long as the audit strictly you can handle.
Number of credits for campus network operators believe that should also establish a unified credit information center, prevention of college student loans many times in different platforms, buried under huge bad debt risk, also bring risks to himself.
After joining the suicide, school of Henan animal husbandry economy in the morning of March 19, held a "student loan should be rational, increase security awareness" report, 500 students participated.
Joining his father, still in negotiations with the school. He feels the school didn′t manage their children, to take responsibility; he also calls for, so that illegal lending business from victims ′ debts.
But for now, Zheng was away from these.
His wife, 15 days after the incident, know the news about the death of the son.
Finish this fibroid surgery less than two months, middle-aged woman, tears fell at home.
校园网贷野蛮发展：如脱缰野马隐患重重 - 学生,贷款,网贷 - IT资讯
3月9日，迷恋赌球的河南牧业经济学院大二学生郑旭，在欠下60多万的校园网贷之后，在青岛跳楼。
郑旭自杀，让名目繁多的“校园网贷”平台暴露在公众视野。在大学生信用卡业务被叫停之后，这些“校园网贷”乘虚在高校跑马圈地，通过校园代理和中介，在大学生中间开展贷款业务。
一些网贷公司为拓展业务，风险把控不严，贷款审核更是形同虚设，致使如郑旭一样的普通学生能贷款几十万，最终却陷入无法偿还的绝境。此外，部分网贷平台甚至恶意放贷，编织出“服务费”、“逾期费”、“催收费”等等陷阱，通过各种方式催收本金利息，谋取暴利，以至于很多学生陷入网贷泥沼。
郑旭之死，掀开了隐没的校园网贷一角，而事件背后，则是对于互联网金融立法和监管的缺失。正如郑旭父亲所言，该有人来管管了。
发自河南郑州
儿子死后第14天，老郑依旧接到了催债电话，对方称郑旭还欠贷款两万。
这位46岁的农民操着一口河南邓州乡音，咕哝着回应：“郑旭死了。”
催债人似乎并不愿意相信，以为是借口赖账。
实在忍不住了，老实、声小的老郑对着电话大喊：“小孩都不在了，小孩都被你们逼死了。”
作为一个父亲，除了难以承受的丧子之痛，他还要面对儿子留下的难题，一笔对于这位普通农民来讲近乎天文数字般的60万元巨债。
尽管从法律关系上，老郑无需替子还债，但他认为是儿子拖累了很多同学，更希望校方和网贷公司也给个说法，“不能有学生再走郑旭的老路。”
▲张贴在郑州一大学校园内的校园网贷广告。这些广告的校园代理，也多是本校学生。
夺命贷款
同学说，郑旭本来说是去青岛卖肾，好回来还贷款，结果传来跳楼噩耗。
“听说跳楼摔下去会很疼，但是我真的太累了，兄弟一场，真的很感谢大家以前对我的照顾，我郑旭对不起大家。”3月9日晚，郑旭在微信群里留下这段话，跳楼自杀。
在此之前，这个来自农村的大学生，已自杀过4次，原因都与高额的贷款及逾期费有关，还有步步紧逼的各种催债方式。
因为赌球，他欠了60多万，这些欠款大都来自校园网贷平台，其中很多欠款，甚至是他冒用或求助同学所办理的分期借款。
受此牵连的是该校28名学生，其中欠款最多的达到11万多元。
学生们委托了河南豫龙律师事务所付建律师作为代理人，由该律师免费为他们维权。
付建受理后，发现互联网金融在法律上处于监管空白地带。
他对11家网贷平台的资质提出质疑，他认为，在工商经营范围内，不允许经营金融业务及金融贷款，“但这些网贷公司的官方网站上，都明确写明可办理金融业务，可办贷款。”
深入调查之后，付建更发现网贷平台火热背后，还暗藏很多猫腻，甚至多位学生的贷款合同，都并非本人签字。
郑旭以黄龙名义在多个平台上贷了10多万元。黄龙说，在诺诺镑客上办理分期，不需要签合同，也不用签字，是郑旭拿手机在寝室为他录了一段视频，上传到网上就好了，“易学期和优分期的合同，也都不是我签字。”
此外，付建还发现一些网贷平台过分宣传和夸大分期产品，诸如低门槛、零首付、零利息、免担保，“但是收取变相的高额的服务费，其实超过利息的。”付建说，有的网贷公司甚至涉嫌合同欺诈，未履行告知义务，故意让学生逾期，以收取高额逾期费。
巨款般的欠贷，以及高额的逾期费，让郑旭不堪重压。
他在网帖上写道，自己曾去打工试图赚钱还贷，但每个月2000多元的收入，根本是杯水车薪。
他去青岛，也是与想还贷有关。同学黄龙说，郑旭自称去青岛卖肾还钱，“没想到传来的竟是跳楼的消息。”
擦边球生意
根据学校知名度，二、三本学校贷款一般最高2万，一本最高4万。
给郑旭贷款的网贷平台，有十多个，有本地的，也有外省的。
在郑州本地，做学生贷知名的有两家，分别为郑州大管家、抱团贷，最火的有四家来自省外：分期贷、爱学贷、优分期、诺诺镑客。
去年8月，中国人民大学信用管理研究中心发布《全国大学生信用认知调查报告》显示，8.77%的大学生使用贷款获取资金，其中小额信用贷款占比5.33%、网络贷款占比3.44%。另据速途研究院《2015大学生分期消费调查报告》调查结果，61%的大学生倾向于选择分期付款消费。
看别人风生水起，商人尹燕也准备在这个庞大的市场里分一杯羹。
注册公司较为简单，只需办好工商登记和向工信部门备案，就开始从事网贷业务了。
尹燕明白，这是打擦边球，在灰色地带游走。
工商登记的经营范围内并无网贷的业务，因此，网贷公司与学生签下的是服务管理合同，并非买卖合同或者借贷合同。
根据学校的知名度，贷款额度不一，二本、三本学校一般最高2万元，一本学校可以达到4万。
P2P平台跑马圈地，只需要身份证、学信网信息、学生证、电话号码，就给放款，“有的平台为了高速发展不计代价。”
但这个行业比他想象的要乱。
如今已是某网贷公司总经理的尹燕介绍，网贷公司的利润来自服务费和逾期费，这些费用都由网贷公司自行定标准，较随意，一般服务费是贷款总额的5%，有的平台甚至收10%。而逾期费才是大头，一旦逾期，学生要额外偿还贷款总额的10%，甚至更多。
“一些公司会故意不通知学生，让你逾期，赚违约金。”尹燕说。
校园代理
作为校园代理，严东最多一天曾接到74个贷款电话。
郑旭自杀后，其所在的河南牧业经济学院校内，保洁和保安每天都要清理张贴在校园各处的校园网贷广告。
与郑旭同宿舍的黄龙说，郑旭当初正是看见这些网贷广告，才一步步走进死胡同。
在郑州市龙湖、龙子湖两大高校区，记者采访时，发现几乎每所高校内，都有牛皮癣一样的各种网贷广告。
有20多所高校的这两大高校区，自然也是校园网贷公司跑马圈地的重点。
多名网贷公司从业者称，为了发展两大高校区的业务，公司不仅各设置一名区域经理，每个学校还设置一名校园经理，再往下至各院系，则设置校园代理。
他们将最基层的代理称为“校园大使”，或者“校园精英”。
严东是郑州市一所高校大四的学生，在2015年初成为一名“校园大使”，每个月的固定收入是贷款总额2%的提成。
作为代理，第一步就是发传单、贴广告，“某一天缺钱学生会想起你来的”。
从大三下学期开始，严东把大部分时间花在了代理上面，除非考试，他一般会逃课，出来办业务，为此两次挂科，同学们取笑他是放高利贷的。
广告好似鱼饵，铺开以后，坐等鱼儿上钩。
严东说，最多的一次，他一天接了74个电话，“一碗面条才吃几口就接了5个电话，再吃几口又接到电话。”
就算“高潮期”过去，严东的业务也是一两天就有一单。
“代理做久了之后，一般都会往中介发展。”严东说，代理人如果给多个平台拉生意，就成为中介，这在校园代理人中占80%。
没过几个月，他就成为了一家网贷公司的大区经理，掌管范围是龙湖校区十多所高校，每个月要完成十多万的业绩。这时他一个月的收入是，工资约为1200元，再加上每一单0.3%的提成。
多位当地业内人士认为，普通代理一个月的收入在2000元左右，校园经理可以赚到1万元左右，一个大区经理则可以达到好几万元。
中介江湖
校园代理不仅拿贷款提成，还从学生那里以各种名目收费，“宰一个是一个。”
校园代理的收入之高，并非完全是代理提成费用。
某网络贷款公司总经理尹燕说，中介除了提成，赚的大头还是在学生那里，即以各种名义收取额外的费用，比如车马费、资料费、代办费等，收费额度一般为网贷总额的10%，“宰一个是一个”。
“学生坑学生，瞒着公司做的。”严东说，“只要不太夸张，每单收个二三百块钱都可以理解。”
严东说，有的学生为了还债，在多家平台贷款，拆东墙补西墙，进入恶性循环，就跟郑旭一样。
除了现金贷款，校园中介也可以帮助急需贷款的学生套现。
一种是虚拟交易套现，在手机实体店与网贷公司合作的商家处买手机，达成假协议，一台标价5200元的手机，学生从中介处拿走4600元，剩下的留给了中介。
另一种是实物套现，学生拿到手机，交给中介转手卖掉，中介能赚1000元的差价。
某网贷公司风险控制经理李文说，有的中介原始积累后，拥有一定资本，可以放私贷。
在龙湖校区，还流传着这样一个故事：某校一位大三学生，做中介后赚了钱，开了一家公司专门做网贷中介，招了七、八个人打工。
也有学生因逾期欠款被打入黑名单，这样的学生无法正常贷款，但就有中介专做黑名单学生的生意，不过服务费比例相当高。
郑州龙湖高校区一名做代理的学生说，比如，贷的总额是3000元，学生拿到手有2000就不错了，“我认识的人就有收30%的。”
此外，中介还可以将学生包装，变成有工作的，做虚假劳动合同，可以贷款几十万。
如此放贷，就不担心欠款不还吗？
李文表示，网贷公司摸准了学生和家长的特点，他们怕自己的名誉受损毕不了业，就算去打工也会还款，父母则会更加在乎学生，“学生不还家长还。”但也有学生做好了退学、跑路的准备，“各种催款也没有办法，只能算是坏账了。”
尹燕介绍，对于贷款公司来说，坏账在2%属于正常，很多平台坏账已经到了10%了，有的逾期比例甚至达到50%以上。
“催债十部曲”
学生父母和朋友电话，是网贷公司最重要抵押物，一旦欠款，就进行声誉绑架。
为了减少坏账和逾期率，网贷公司在催债上使出浑身解数，为此专门诞生了催款团队。
“会有恐吓手段，比较过分了。”某网贷公司总经理尹燕说，原因是当初为了冲业绩，风控把握不严，让学生低门槛进入了。
李文等风险控制负责人，则有自己的一套催款“十部曲”，分别为：给所有贷款学生群发QQ通知逾期，单独发短信，单独打电话，联系贷款学生室友，联系学生父母，再联系警告学生本人，发送律师函，去学校找学生，在学校公共场合贴学生欠款的大字报，最后一步，群发短信给学生所有亲朋好友。
“一般到第四步，学生就会还款了。”李文说。
此外，学生父母和亲朋好友的电话号码，则成为网贷公司最为重要的抵押物，一旦逾期，就进行声誉绑架。
郑旭的父亲至今没摆脱催款的短信。
3月16日，他的手机里又出现了一条催款短信：“屡次催收，你拒不偿还”。
郑旭的同学黄龙说，平台的人会打电话威胁他，在今年频繁发短信，一天没安生过，过年也没回家，生怕父母知道，甚至有平台派出催债人到学校，有时三五个陌生人将欠款学生围住。
一些学生向记者提供短信截图显示，网贷公司在追债中，语言充满暴力。
“同学，记住一句话，欠钱的不是大爷，不管你拖多久这笔账你觉得能逃得掉？”“你的所有信息都在这，不为你自己想，也为你爸妈想想。”
“杨津（化名），看来真要老子帮你在学校门口点串鞭炮拉个横幅吧！你真以为爱学贷拿你一点办法都没有是吧！欠款不还不要脸的东西！”
但郑旭自杀之后，李文也认识到，不能再去紧逼学生了。
更多还不上钱的学生，被记录进了“黑名单”，网贷公司不再轻易放贷。
网贷经理会在一个非官方的个人、企业网贷逾期欠款信息发布平台上，查询学生信用情况。
他们称之为“民间版的黑名单平台”。
“一些网贷公司会将本公司逾期、欠款的名单上传，但和银行的征信系统没有关系。”尹燕表示，“这些黑名单并不全面，属于自愿上传的。”
▲3月23日，一名学生走出河南牧业经济学院。月初，该校大二学生郑旭欠贷自杀引发关注。
监管真空期
“严格意义上来说，郑州市没有一家互联网金融企业。”
网贷信用“黑名单”是民间版的，而网贷公司似乎也没在政府部门里挂上号。
“郑州的P2P有没有？有的话有几家？我们不知道。”3月23日，郑州市政府金融办一位负责人表示，国家对互联网金融没有明确规定，因此，P2P没有监管主体。
几天前，审计部门向金融办核实P2P数据，该负责人回答，“我们说不知道，跟我们好像没关系，又不需要审批、备案。”
而作为河南省工商行政管理局企业注册处的处长，靳薇的职责是对省内企业准入的审核。
曾有人来找她办理互联网金融企业登记，靳薇认为互联网金融是非银行金融业务，她让来者去找金融办咨询政策，有政策就放。
“严格意义上来说，郑州市没有一家互联网金融企业。”靳薇说，对互联网金融，目前我国还没有行政强制审批，也不能擅自增设，因此，有的互联网金融企业借壳电子商务，进行网上借贷业务。
“这是对立法的倒逼。”靳薇说，政府层面对网络金融兴起的反应太迟钝，监管缺位太久了，亟待顶层设计。
据了解，去年12月28日，中国银监会发布《网络借贷信息中介机构业务活动管理暂行办法（征求意见稿）》，这是中国官方第一次对网络借贷行业释放具体的监管思路。
该办法界定了网络金融是网络借贷信息中介业务活动，明确监管方，国务院银行业监督管理机构开展监管工作，同时，遵循“谁审批、谁监管”的原则，由地方金融办负责风险防范与处置。
这意味着P2P将不发牌照，而是采取类似小贷协会的管理方式，推动行业自查自纠、清理整顿等。“意见征求完了，不久会下发。”河南省银监会非银行金融机构监管处处长李新军说。
“新法出来前，是真空期。”李新军表示，衍生的问题是，目前监管主体不明确，网络金融公司不会来银监会备案，“我们不掌握这些情况”。
值得注意的是，2016年全国两会，政府工作报告中，将“规范发展互联网金融”列入“2016年重点工作部分”，互联网金融行业进入“监管时代”。
进校争议
学生对网贷进校园有观点鲜明的两派，但更多官员和专家，更强调严格的贷、用审核。
在郑旭自杀之后，不仅网络借贷公司资质问题饱受质疑，网贷能否进校园的问题，也引发了巨大争议。
网贷风险控制经理李文认为，大学生喜欢新奇的东西，消费欲望强，互联网金融平台的发展，填补了信用卡的空白。
“大学生是成年了，但经济来源主要是父母，学生本身并没多少偿还能力。”郑旭多位同学认为，网络借贷是学生虚荣心作怪，不能进校园，学生根本没有还款能力。
郑旭的父亲则表示，学生借贷必须要经过家长同意，而且不能够向多家平台贷款。
浙江大学互联网金融研究院副院长李有星认为，现在的校园网贷属于消费者金融，“要保障专款专用，这才是对学生负责。”
他认为，对学生放款要定额，住宿费、资料费、学费等常规的借贷要定向，直接由贷款公司打给学校，还要严格审核用途，这样作为一个互联网金融的钱款发放才有安全感，对于借款人也负责。
河南省工商行政管理局企业注册处处长靳薇称，互联网金融在国家转型期间，解决融资难问题，形式上是好的，“不能完全禁止。”
她认为，有的大学生已经开始创业，有经济能力，有固定的收入，只要审核严格就可以办理。
多位校园网贷从业人士认为，还应建立统一的征信中心，防止大学生在不同平台多次贷款，埋下巨大的坏账风险，也给本人带来风险。
郑旭自杀之后，河南牧业经济学院于3月19日上午，举行了“大学生贷款应理性，提高安全防范意识”报告会，500名学生参加。
而郑旭父亲，仍在跟校方交涉。他觉得校方没有管好自己的孩子，要承担责任；他还呼吁，让违规放贷的企业免除受害学生的债务。
但眼下，老郑无暇顾及这些了。
他的妻子在事发后15天，才知道儿子死亡的消息。
这个做完子宫肌瘤手术不到两个月的中年妇女，哭倒在家里。
