Hide scale campus credits, "swimming naked" student-College student campus loans-IT information

Thousands of "loans" rolling version of "arrears" when many college students found themselves in the "swimming naked" is tragic, it was photographed topless before.

Gun crazy lending platform took over various issues on campus, aimed at college students. After one in Zhengzhou "campus credit" dispute of college student committed suicide by jumping down, triggering great social concern. It's just increasingly popular campus loan "killings" a corner of usury nature of some lending platform for a lot of students into a quagmire.

Apparently "campus credits" for difficult students reduce the economic burden on their families, no accumulation of funds and external support for many young people, take this ride the entrepreneurial ladder is also not a bad idea. However, not every "campus credit" are used properly, and "don't forget the beginner's mind", some beginner's mind is more than that of the platform.

On the reality most afraid of wolves and sheep, later created. "Wolf" sly wit, compared with formal financial institutions extend credit loans, school loan applicants credit, repayment ability, such as the auditing of secretly too loose, and some are even completely useless, because the only way to be slaughtered "Lamb" will take the bait. Chasing after a college student lending, "Chase" their debts not far off.

"The Lamb" is not as highly educated people with higher pay in the workplace, parents provide the full cost of tuition and living costs are almost University student sources have no steady income and lack of risk awareness, they should not become the object of financial institutions to lend, strong consumer demand has wielded in "Wolf" targeting the. Credit card into "broken halberd", the school loans to a new fertile ground for student loan repayments, borrowing and eventually fall into the bottomless pit of robbing Peter to pay Paul.

There is no free lunch. An ID card, a student card, even without a signature, you can credit for tens of thousands of Yuan. A simple game of financial, wealth disparity in the balance of power between the two, while earning big bucks, while black and blue. Campus credit platform with great fanfare to confuse college students ' "spending tomorrow's money, the today's dream", but to his mad money-making malicious lies.

Online lending platform security weaknesses and risks of vulnerabilities to a large extent "campus credits is" chaos added a "wood". Indulging in disguised form even cater to students ' false consumption lending platform is tantamount to push the two sides towards the risk of storms, as students "implicit guarantors" paying parents became final, is also the last line of this dangerous game.

Campus credit platforms have no unified standard, left in the lender audit risk is very high. Earlier, the Ministry of education, the China Banking Regulatory Commission jointly issued the Declaration on strengthening the campus bad debt risk prevention and education work of the notice, but the paper did not have notice of disciplinary force, is weak in front of arrogant egotistical campus credits.

Campus credit mess, not just today. "Campus credits" the well pipe before it is too late now seem to be alarmist. Via the Internet platform was reckless madness of financial innovation for profit, which requires the strong intervention of the supervision and pervasive.

藏垢的校园贷，“裸泳”的大学生 - 大学生,校园贷 - IT资讯

千元“贷款”滚成万元“欠款”的时候，很多大学生才发现自己在“裸泳”，可悲的是，有人之前还拍下了裸照。

疯狂的校园贷接过各种问题平台的枪，对准了大学生。此前郑州一名陷入“校园贷”纠纷的大学生不堪重负跳楼自杀，引发社会高度关注。而这只是日渐风靡的校园贷“杀人”的一角，一些具有高利贷性质的借贷平台令不少学生陷入困局。

表面看“校园贷”可为家庭困难的学子减轻经济负担，对很多并无资金积累和外力支持的年轻人来说，借此搭个创业的梯子也未尝不可。然而，并非每一笔“校园贷”都使用恰当，且“不忘初心”，有些平台初心便不止于此。

现实最怕狼遇上羊，后面的事儿就顺理成章了。“狼”狡猾机智，与正规金融机构发放的信用贷款相比，校园贷对申请者信用、还款能力等的审核偷偷地过度宽松，有的甚至完全形同虚设，因为只有这样待宰的“羔羊”才会上钩。追着大学生放贷之后，就离“追”着他们还债不远了。

“小羊”不像受过高等教育的人在职场拥有较高薪酬，父母提供的学费、生活费几乎是大学生的全部开销来源，没有稳定收入且风险意识缺失，他们本来最不该成为金融机构放贷的对象，强大的消费需求却被别有用心的“狼”盯上了。在信用卡入校“折戟”之后，校园贷给了学生们还款、再借款的新沃土，最终陷入拆东墙补西墙的无底洞。

天下没有免费的午餐。一张身份证，一本学生证，甚至不用本人签字，就能贷下数万元。一个再简单不过的金融游戏，在力量对比悬殊的两者之间展开，一边赚得盘满钵满，一边却遍体鳞伤。校园贷平台大张旗鼓蛊惑大学生“花明天的钱、圆今天的梦”，不过是为自己的疯狂敛财制造的恶意谎言。

网络借贷平台的安全缺陷和风险漏洞，在很大程度上给“校园贷”乱象添了一把“柴火”。借贷平台变相放纵甚至迎合大学生虚假消费能力，无异于把双方推向风险的暴风口，作为学生“隐性担保人”的家长成了最终的买单者，也是这场危险游戏的最后一道防线。

目前校园贷平台根本没有统一规范，在借贷人审核上留下的风险隐患很高。此前，教育部、银监会曾联合印发《关于加强校园不良网络借贷风险防范和教育引导工作的通知》，但这样的一纸并不具备惩戒强制力的通知，在嚣张任性的校园贷面前未免心有余而力不足。

校园贷的混乱现状，非只今日。“校园贷”该好好管管了，亡羊补牢如今看来已不是危言耸听。借助互联网平台的金融创新被不计后果疯狂逐利利用，这需要监管的强势干预和无孔不入。