"Students may not feel it at first, but after a few times, they will find that they can’t afford the money, and they are afraid to ask for it from home. They can only repay the loan by loan, from a few thousand yuan at the beginning to tens of thousands of yuan, and finally exceed the limit that a family can bear … … Do students know that parents have made great efforts just to earn thousands of dollars, but these efforts have finally become someone else’s wedding clothes … …”
Recently, Li Xiaokang (a pseudonym), a 19-year-old boy, sent a special letter to the editorial department of Shanxi Evening News. The key word of the letter was "online loan platform".
Li Xiaokang, a native of Lvliang, originally studied in a university in the provincial capital. However, after only one semester, he finally chose to drop out of school … because he owed 150,000 yuan with interest on the usury campus online loan platform, which made poor families owe a lot of foreign debts for repayment, plus various dunning on the loan platform. …
The wonderful college life ended like this, which caught him off guard. So, he wrote down his experience and wanted to sound the alarm for more college students and students who are about to enter the university.
AIn order to earn tuition fees, I started a business and lost money on the online loan platform.
Li Xiaokang’s home is in Lvliang, and his family makes a living by farming. Seeing his parents’ hard work, Li Xiaokang wanted to earn his own tuition. After entering the university, he tried to start his own business and start a second-hand car business in partnership with his good friend Kun Wang (a pseudonym). But not long after, there was a deficit because of mistakes, and the capital turnover could not be opened. Anxious to make up for the deficit, the two men were embarrassed to ask for money from home. At this time, Kun Wang occasionally found a campus online loan platform, which was actually a link to a website. The other party said that it was a welfare for college students, and only students could use such a convenient way.
A sum of money can be borrowed in a short time, so the two decided to lend. They borrowed nearly 4,000 yuan through this platform, but because the platform had to deduct related interest and other expenses, they finally got only 2,000 yuan. Although I don’t get much money, the operation is very simple, and the other party will call or send a message to remind me how to operate. "Just open the website link sent by the other party and click it several times ‘ Agree ’ You can complete the operation, and after an hour or two, the money will hit your card. " Li Xiaokang said that when paying back the money, he will call the bank card or Alipay account according to the requirements of the other party.
I thought they could pay back the money soon after the capital turnover opened, but I didn’t expect the business to improve, and I lost a lot. They lost their ability to repay. After that, they can only repay the loan by loan, and borrow money from other online lending platforms to repay the 4000 yuan. Li Xiaokang said: "Some loan platforms have very high interest rates. For example, if you borrow 1000 yuan, he will only give you 700 yuan and then let you return it to 1000 yuan within a week." In this way, it is equivalent to borrowing 700 yuan within one week, but the interest will reach 300 yuan. Li Xiaokang knows that such a platform has a high interest rate, but compared with banks, this platform can get money very quickly, so he has to bite the bullet and rob Peter to pay Paul. "Some platforms will tell you how much interest to pay back, and some platforms are just like cheating people. You have no idea how high the interest will be. After a day’s delay, I didn’t pay back the money in time, and the next day I had more 280 yuan. "
Rob Peter to pay Paul is much more, and interest is rolling in. In just half a year, Li Xiaokang and Kun Wang borrowed a total of more than 80,000 yuan, but only 40,000 yuan was actually obtained. Finally, 150,000 yuan with interest was returned, most of which was borrowed by Li Xiaokang.
BThere is a lot of pressure to pay off debts, and there are many ways to collect money. He chose to drop out of school and work.
In addition to these debts, the various dunning methods of the platform also caused Li Xiaokang to collapse. "Some platforms will get your address book, call the counselor and send text messages to your friends, classmates and relatives; Others called and said, ‘ We are still collecting money in a civilized way. Don’t wait for those who collect money to come to you. They have various means. ’” Li Xiaokang said.
Li Xiaokang’s father, Li Shifu, knew that his son was in debt, and it was also because of debt collection. One day in the first month of this year, a debt call was made to Li Shifu’s mobile phone. Due to the poor conditions at home, he can only borrow money everywhere and help his son pay back more than 100 thousand yuan, but he doesn’t know how much is left. Li Shifu said: "I can only borrow money from my relatives to help him pay back some. In short, don’t let him get into debt." Li Shifu was completely unaware of his son’s second-hand car business. He said that his son was outside all the year round, and the father and son didn’t communicate well.
Li Xiaokang and his father once went to the public security department for consultation. The police told them that there were so many such things that they could only be solved by going to court through legal channels, and they could not help. Li Xiaokang said: "I think since these platforms can exist in the mobile phone software market, they must have their own legitimate reasons. It is too difficult for us to sue. It’ s really embarrassing to let my father follow me. Some phone calls are rude, and I always talk about human life. I spend every day in fear. "
Because of his son’s high debts, Li Shifu has aged a lot in just half a year, and his bones are not as strong as before.
Before finishing his freshman year, Li Xiaokang dropped out of school and worked outside to earn money, hoping to pay back the arrears as soon as possible. On July 18, when the reporter contacted Li Xiaokang again, he said that although his father helped him pay back most of the money, he also paid back some money by working for himself in recent months, but the money he owed was still not paid off because of the high interest rate, and now he still owes tens of thousands of yuan.
Regarding his son’s dropping out of school, Li Shifu said: "One reason is that he doesn’t want to study, and he wants to continue to pay back the money. The burden at home is too heavy; Another reason is that debtors always make threatening phone calls, and I am also afraid that my son is not safe. " Speaking of which, he sighed heavily.
Li Xiaokang dropped out of school. Because the loan amount is small, Kun Wang’s family helped him repay the loan, and he is still attending school normally. Li Xiaokang especially wants to say to other college students: "As a student, if you know the hard-won truth of money and who really loves you, you won’t hurt your parents." If you communicate directly with your parents, I believe that your parents will definitely forgive you. But if you don’t take the initiative to say it, your future will be destroyed in your own hands. "
CPoor students can complete their studies with low-interest loans and scholarships.
Regarding Li Xiaokang’s dropping out of school, Mr. Zhang, a counselor when he was in college, said that Li Xiaokang’s incident made him feel very sorry. As far as he knows, Li Xiaokang worked outside to help his family reduce the burden before entering school, and became a monitor after going to college. "In fact, the school strengthens education for students every year and holds theme class meetings to prevent students from contacting these non-performing loans."
Li Xiaokang’s classmates also said that Xiaokang was never extravagant, frugal and independent. He went out to work to earn money. As soon as he heard that he was still doing business, his classmates all looked at him with new eyes. "We don’t know about his loan, he is stronger, and what he can handle generally won’t ask others. We all think that he will be a promising person in the future. " A classmate said.
After Li Xiaokang went to college, he chose to do his own business to make money, and fell into the dilemma of campus online loan. Then, if the family is poor, can students finish college smoothly? The reporter interviewed the teacher of a university in the provincial capital. The teacher said that from the moment the university admission notice was issued, it said: If the family is in difficulty, you can apply for a loan through specific procedures. Students who borrow money only need to pay it back when they graduate from college, and the interest rate is very low. This is a national policy specifically for poor students. In addition, all schools have scholarships, and the distribution area is relatively wide. In addition, some bosses or entrepreneurs will also provide donations. Now, in all public colleges and universities, as long as students follow normal procedures, there is no problem in completing four years of study, even if the family is difficult.
DCampus online lending platform is still "active" on campus.
The reporter randomly asked several college students, and they were all familiar with the campus online loan platform. "When I first went to college, the counselor told us, and said that some students used illegal campus loans before, which led to very serious consequences." Xiao Zhang, who is studying at taiyuan normal College, said. Several other college students also said that teachers often warn everyone about the dangers of usury online lending platforms during meetings, and will show short films of students who have dropped out of school because of borrowing money from online lending platforms, telling students who have any difficulties to find a teacher and never touch these online lending platforms.
However, the usury online lending platform did not quit the campus. During the interview, many college students said that they had seen small advertisements such as "0 interest", "loan with loan" and "only two hours" on school toilets and telephone poles, which were all propaganda made by online lending platforms. They said that some students also act as agents of online lending platforms in order to earn money or pay back the loans they owe. "At the beginning, I was commensurate with my buddies and friends and gave generously. Once I got the money, I changed my face and asked other people to ask for high interest." A student said that these agents get a commission for bringing people in, and after students borrow money, they will also receive a commission in proportion. The more students borrow, the more commission they get. Behind them is a team, including finance department, loan department and audit department, with a clear division of labor.
Pervasive publicity and the wooing of "brothers" and "buddies" made some people who didn’t want to borrow money at first start to borrow money because of a small amount. According to the reporter’s interview, the amount of these people’s loans at first is not large, generally not more than 10,000 yuan. Some are to buy equipment for games, some are to buy new mobile phones, and some girls want to buy some bags and clothes … … Most students who use the usury online loan platform once will use it many times again. Because of the high interest rate, they are afraid to tell their families that they have to continue to make mistakes until the creditors come to collect debts.
"The reason why there are online loans and some people are trapped is because some students have problems in their minds. They want to live better, so they use their brains and want to buy high-end items through some simple channels. Students must have a correct outlook on life, values and ideas. " A teacher of Shanxi Industrial and Commercial College said.
EIt is suggested that college students learn financial knowledge to prevent being cheated.
Why is the interest of online lending platform so high? We interviewed Mr. Shi, the account manager of a bank in the provincial capital. For example, Mr. Shi said that if you borrow 10,000 yuan from a regular bank for a period of one year, the bank will only calculate the interest once in one year, which is the annual interest rate of 10,000 yuan. Some illegal usury online lending platforms will calculate interest 365 times in one year. On the first day, the interest of 10,000 yuan will be calculated. On the second day, yesterday’s principal and interest will become today’s principal. In this way, the interest rate will be very high in one year.
Mr. Shi also added: "Some illegal platforms have also drilled loopholes. Regular banks do not need to collect deposits or deduct interest in advance. These platforms take advantage of the lack of financial common sense of college students and only say that it is convenient, fast to use money and low in interest rates. When students use it, there will be fees, deposits and high interest rates waiting for them. In essence, they are using this information asymmetry to make huge profits. " Mr. Shi suggested that college students strengthen their financial knowledge study to prevent being cheated.
The staff of the Provincial Banking Regulatory Bureau told reporters that they have also strengthened the awareness of preventing financial risks among college students through financial classes, financial lectures, questionnaires and other forms. "We attach great importance to this issue and have done enough financial publicity. Every year, we will go to the campus to explain financial knowledge to students, and we will also broadcast propaganda films that have serious consequences caused by bad campus online lending platforms."
It is understood that in order to further strengthen the supervision and rectification of the campus online loan platform and control the chaos from the source, six ministries and commissions, including the China Banking Regulatory Commission and the Ministry of Education, issued the Notice on Further Strengthening the Renovation of Campus Online Loan, and all regions have stepped up the rectification of the campus online loan business of online loan information intermediaries. Institutions established without the approval of the banking supervision and management department may not enter the campus to provide credit services for college students; Suspension of online lending institutions to carry out online lending business for college students; Comprehensive policy, colleges and universities should take the risk prevention and comprehensive management of campus online loan platform as a major task to maintain the safety and stability of schools at present, and so on.
FHow should students protect their rights and interests when borrowing money?
How should students protect their own interests when borrowing money? The reporter interviewed Cheng Jianguo, a lawyer of Shanxi Fengyong Law Firm. Cheng Jianguo pointed out that, first of all, according to the Provisions of the Supreme People’s Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, the interest rate agreed by both lenders and borrowers did not exceed 24% per annum, and the court should support the lender’s request for the borrower to pay interest at the agreed interest rate. The interest rate agreed by the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement exceeding the part is invalid. The court shall support the borrower’s request to the lender to return the interest that has been paid in excess of 36% per annum. Cheng Jianguo explained: "In other words, the law does not protect the interest that exceeds the annual interest rate of 36%. If the borrower feels that the interest he wants to repay is higher than this interest rate, he can go to court to file a lawsuit to determine how much debt he should repay. The so-called service fee, referral fee, deposit, etc. are all pretexts, but they should also be included in the interest. When the court makes a ruling, it will also consider this part of the factor. As for some platforms, the way of forced debt collection is too intense, and there are cases of infringement of private houses. You can also bring a lawsuit to the court. "
Cheng Jianguo added: "According to national laws, interest cannot be deducted in advance from loans, and the calculation of interest principal should be based on the principal actually obtained by the borrower. However, because of their lack of legal knowledge, college students may have evidence against them. For example, it is clear that these platforms only give you 700 yuan, but let you type 1000 yuan’s IOUs. In the future, 1000 yuan’s IOUs will be unfavorable to borrowers. Therefore, be vigilant in this regard. "
Cheng Jianguo believes that college students must be cautious when using the campus online loan platform; Secondly, self-discipline, rational consumption, obedience to the relevant education and regulations of the school, and timely communication with parents when problems arise; College students should start from reality, start from their own majors and do what they can.