How does campus loan "trap" college students?

Recruit student cadres to "push" the fastest 3 minutes to review and push the installment shopping festival. The actual annual interest rate exceeds 20%

Not long ago, a college student in Zhengzhou, Henan Province committed suicide by jumping off a building because he was unable to repay hundreds of thousands of online loans. This is an extreme case of campus online loan. Behind the tragedy, the crazy campus "online loan" has been pushed to the cusp of public opinion. Starting from 20 14, the huge group of college students' online loans began to "scramble for land" and "XX loans" sprang up like mushrooms after rain. Nowadays, how hot is campus online lending? How will the students spend the borrowed money? Are there any omissions in the audit of different loan platforms? It is said that "the monthly interest rate is as low as 0.99%, and the maximum loan is 50,000, which can be repaid in 5 seconds". Is it really such a "low interest rate" with no threshold? In this regard, the Beijing Youth Daily reporter launched an investigation.

phenomenon

The number of individual campus loan platform applicants has exceeded 750,000.

Most of the applicants come from three colleges and higher vocational colleges.

Fang Ming (pseudonym) is a junior in a famous engineering college. He is usually fascinated by electronic products. In June last year, he started personal loan payment business on a famous e-commerce platform, and there were two online loans for college students, totaling 25,000 yuan. When he graduated, Fang Ming "bought" an Apple mobile phone and a notebook computer, and he became a "moonlight family". "You need to repay 1.370 yuan every month, and the living allowance issued by the school is 1.500 yuan, which is basically only enough for installment. It's not appropriate to find your parents after graduation. Find a part-time job. " Fang Ming laughed at himself: "If you buy again, you have to pick your hand!"

Many students interviewed at random admitted that there were students who used "online loans" around them, "as if they became popular unconsciously at some time". The reporter of Beiqing Daily searched the official website page of the famous school loan platform. The number of applicants for the platform has exceeded 750,000, and it is reported that students from a certain school have applied for loans, with loan amounts ranging from 1 1,000 yuan to 20,000 yuan. The reporter of Beiqing Daily also noticed that most of the rolling colleges are three local colleges and higher vocational colleges.

Highly educated people, strong demand for consumption and entertainment, and strong willingness to consume credit have all become the reasons why many Internet finance companies aim at the "big cake" of the university market. Tan Wei (a pseudonym), a junior, is also a frequent visitor to "campus online loan", but unlike Fang Ming's "electronic product talent", "I seek platform loan mainly for the capital turnover of starting a business. Generally, boys borrow money to buy digital products, while girls prefer to buy cosmetics and travel. We don't spend tens of thousands of dollars on starting a business. It is definitely impossible to get a loan from the bank. These platforms are used in emergencies. I borrowed 1.9 million at one time. Fortunately, our partners are not too worried about funding. This money is a piece of cake. "

In 20 15, the Credit Management Research Center of Renmin University of China conducted a survey of nearly 50,000 college students in 252 universities across the country, and wrote a survey report on the credit cognition of college students in China. According to the survey, 8.77% of college students will use loans to obtain funds when they make up for the lack of funds, of which online loans account for almost half. According to the reporter of Beiqing Daily, there are roughly three kinds of online loan channels for students: one is a simple P2P loan platform, such as a famous school loan and a loan from me; Second, students shop by stages, such as interesting stages; The third is the credit business provided by e-commerce platforms such as JD.COM and Taobao.

survey

The reporter of Beiqing Daily conducted an investigation on how to operate the increasingly out-of-control campus loan platform and lock college students step by step.

first step

Financial platform recruitment student cadres push

Pull classmates to install machines, earning 5000 yuan a month.

How are these campus loans blooming everywhere promoted?

"My classmates are my customers." Wang An (pseudonym), a student studying in a university in Beijing, has always been a cadre of the College Student Union. Last year, he became a campus agent for Internet finance companies to lend money and joined the "QR code" sales team. "In the next semester last year, the company held a campus push to improve the installed capacity of APP, which was also the most profitable time to engage in this part-time job. "

Wang An said that the company requires users to fill in their names, mobile phones and ID numbers after downloading the APP. If users choose to bind bank cards, they can get 40 yuan's commission for each order. If they choose to leave photos without binding cards, they can get a commission from 30 yuan for each order. "These incomes can be settled by the day. There are classmates around who earn 5000 a day. In order to make more money, we also went to the dormitory to' brush the building', tied classmates and friends, encouraged everyone to borrow money, and made a commission on the loan list, except for installation. "

Second step

No video signal

Some online loans can be processed with only one student ID card.

According to previous media reports, Henan college students fabricated excuses to obtain personal information and family information of nearly 30 students in their classes, and successfully obtained loans from multiple platforms. The one with the largest debt reached 1 1 ten thousand yuan. The roommate of the deceased said that many online IOUs related to him were not signed and photographed by him, but they were finally accepted successfully. Today, advertisements such as "the fastest 3-minute audit, the next day loan" and "just provide student ID card" are still overwhelming on the campus network platform.

A technician of the campus loan platform told the reporter of Beiqing Daily, "Not all my loans can be passed, and the risk control of this platform is not strict. As far as I know, some companies with poor technology and weak strength do not need video online signing and face recognition technology, which can easily lead to audit problems, and the identity information of customers is fraudulently used by others. "

The reporter of Beiqing Daily tried to borrow money from another campus P2P platform APP. When filling in the loan qualification, in addition to filling in information including personal student status, contact numbers of family and friends, and uploading photos of ID cards and student ID cards online, the platform can complete the loan process without offline and video review. "Some companies will take the initiative to release water in order to attract customers." The technician added, "Last year, when the market expanded rapidly, some companies lent more than 23 billion yuan a month." Mixed competition in the same industry has intensified. In order to expand business and lower the application threshold, some platforms are not strict in auditing, so that students' personal information is fraudulently used.

In the interview, there are also loan platforms that mainly rely on online channels to complete credit. After filling in a number of personal information materials, they mainly confirm the information through remote video and other channels. Even so, there have been cases where platform auditors colluded with borrowers and fraudulently used other people's information to defraud loans. "Pure online business is not particularly easy to do, nor is it safe. Large companies usually emphasize strict audit, and it is recommended that you do what you can and borrow less. This is responsible for customers and for the company. " A practitioner who asked not to be named said frankly.

Third step

Encourage college students to borrow money in advance for consumption.

Even push the college students' staged shopping festival.

So, what do college students do with the money borrowed from these platforms? The reporter of Beiqing Daily downloaded the APP of a campus online loan platform. When applying for a loan, the system will automatically display the loan purpose options: consumption shopping, emergency turnover, training assistance, tourism, micro-entrepreneurship, employment preparation, etc. On the computer official website, the amount and reasons of some newly successful student loans were disclosed: "Borrow 6,800 yuan for 24 issues, buy 60,000 yuan for my girlfriend for 36 issues, and start my own business after graduation".

Henan college students who committed suicide because they owed online loans were later confirmed by the media that the reason why they owed more than 600,000 yuan was because students borrowed online loans to gamble. According to public information, all kinds of loan demand platforms for students have been met. So, will the platform track the flow of funds after borrowing? The reporter of Beiqing Daily dialed the phone number of the customer service of the platform with questions. The staff said, "Where did the money go? We have no way to monitor and verify it. What do you fill in the system options? We will default to this. "

Several follow-up college students said that online loan users borrowed money mostly for entertainment consumption, such as traveling, buying big items, cosmetics and clothes. In the staging website "Staging Music" commonly used by college students, this website not only lists a wide variety of goods, but also plays the attractive word "interest-free, straight down 500 million". According to the website, on September 1 2065438, an activity marketing column was launched, and the "First National College Students' Shopping Festival by Stages" was launched. 2 1 hour, the order amount exceeded 1 billion yuan. In addition, the website has specially opened up the installment payment of popular end-game coupons, and the page shows that the full-reduced electronic coupons snapped up in a limited time were robbed on the same day.

internal storage

The credit card of college students, which was once all the rage, was "stopped"

(The above answers were published on 20 16-03-24. Please refer to the actual situation for the current purchase policy. )

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