Harm of network loan and its solution

First, the harm of online loans and solutions

Peer-to-peer lending belongs to the category of private lending and is protected by law. If the borrower does not repay the loan, then according to the information provided before, the platform can proceed through legal means. This will leave a bad record for the borrower's credit, and the borrower will have difficulty in lending in the future. If the circumstances are serious, criminal responsibility may be incurred. The full name of peer-to-peer lending is peer-to-peer lending, including personal peer-to-peer lending (P2P peer-to-peer lending) and internet. 2, understand the trap, zero threshold, no mortgage, online audit, the fastest three minutes to the account, induce students to over-consume, and even fall into the trap, infringing on the legitimate rights and interests of college students. 3. College students should establish a rational view of financial consumption, and at the same time, they should not avoid new economic things, so as to improve their sensitivity in the fields of finance and consumption as much as possible before entering the society. 4, consciously understand the knowledge of financial credit and network security and related laws and regulations. The harm of campus loan: first, campus loan has nature; Second, campus loans will breed bad habits of borrowing students; Third, if the loan cannot be returned in time, the lender will use various means to collect debts from the students; Some criminals use ""to commit other crimes. Precautionary measures for campus loans: 1. Take good care of personal information and documents. Once used by malicious people, it will cause personal reputation and interest losses, and may even be sued. Like the above-mentioned incidents, if the personal information is cheated to borrow from the Internet financial platform, not only will the cash be lost, but the non-performing loan information may also be entered into the credit information system, which is not conducive to buying a house or car loan in the future. 2. The loan must go to the formal platform. Due to the insufficient supervision of Internet finance at this stage, there are many platforms for buying sheep's heads and hanging dog meat. Be sure to log in to official website for a closer look, and search and compare all kinds of evaluation information. Like college students' loans, we need to find Jiurong Finance, because they are strictly audited, the risk control is connected to the big data center, and the basic dynamics of students can be audited. In addition, it is necessary to call the borrower to confirm whether it is the borrower himself and whether the funds are used formally. The loan must be used in the right way. At present, college students are still in the consumption period and their repayment ability is very limited. If there is overdue, parents will eventually pay the bill and increase the burden. Therefore, college students must be cautious about online loans. 4. Don't trust loan advertisements easily. Some fake and shoddy advertisements on P2P peer-to-peer lending platform lure college students to register and get loans. The copy says it can help students solve their basic study and life difficulties at school. In fact, this practice of inducing loans and increasing credit lines can easily lead students to fall into the trap of "serial loans". 5. Establish a correct concept of consumption. College students should fully understand the hidden dangers and risks of network non-performing loans and enhance their awareness of financial risk prevention; It is necessary to establish a rational and scientific concept of consumption, and try not to lend money and shop on online lending platforms and installment shopping platforms, because interest and liquidated damages are high, and the excellent quality of hard work, simplicity, diligence and thrift is cultivated; We should actively learn about finance and network security and stay away from bad online loans.

Second, is it harmful to provide ID information to Internet companies?

Just sign the contract in person, only mortgage ID card belongs to credit loan, and the interest rate is relatively high. It is necessary to understand the interest-bearing method and interest-bearing ratio.

3. Is online lending dangerous?

How much is the loan?