Campus loan chaos survey college students because of inability to repay the loan suicide (video)-liuxiaobo

"Campus loan" chaos survey: college students unable to repay owing to the loan suicide, college students unable to repay owing to suicide, in recent years, a variety of "campus loans" advertising flooded campus. This loan, the main "low interest rate", "audit fast", attracted a large number of college students loans. However, some students have paid a heavy price after the loan. In early October this year, Guangxi Nanning college students land in the name of business, borrow about 1600000 yuan to students, but because gambling has 900 thousand yuan unable to repay, leaving Suicide Suicide, which also triggered the society again on the campus loan attention. In October 9th, Lu made a message in space, said about 900000 yuan to find their own classmates borrow, because of his gambling gambled, he had a dead. The news spread in the small Lu family and friends, and exploded the pot. According to statistics, the land sold separately to mobile phones and concert tickets, cash sales and other reasons, to find hundreds of people borrowing, the amount of single from one thousand or two thousand yuan to 300 thousand yuan, the total amount of about 1600000 yuan. Lu family is good, ordinary life is much more luxurious than ordinary college students. Because see the Little Miss Lavish, believe him well to make money, many students from various lending platform on borrowed money, to take care of small land. Xiao Shen is one of them. He told reporters that his monthly living expenses will be 1200 yuan, usually can not save money, small land let him from the network lending platform, staged loans. Xiao Shen, a college student, lured me with high returns, allowing me to continue borrowing from the platform. At first, each of the repayment, Xiao Lu will make money on time to Shen, until that Lu’s death, small Shen panicked, he through the net loan platform and borrowed nearly 300 thousand yuan for small land. Now, how to repay the money owed to the online lending platform has become a big problem. Xiaojuan had the same experience with Xiao shen. Xiaojuan said that since this year, she has borrowed 13000 yuan from 2 online lending platforms, and she has paid all her loans to land for investment. Now, these debts are to be paid by herself. Coincidentally, in March this year, Henan college students Jeong to 28 students in the name of net loans 589 thousand and 500 yuan, for soccer gambling failed, finally unbearable pressure on the road to ruin, the end of his 21 year old life. After the media reports, people have aroused strong concern about campus loans. Most of the students take the loan consumption "campus loan" to provide students with a family, but can easily access to a large number of cash platform, it is rapidly sought after by college students, but also trap. Associate professor of economics at Career Technical College, Wenzhou science and technology Chen Xiaoming: Students’ lack of credit among students is second, third is the lack of repayment planning, student borrowing purpose is unknown, some students do not loan, in order to meet the basic needs of daily life, and is used in some high-end consumer goods consumption. In the interview, more than half of the students said they had heard or used campus loans, and the lending program was also multifarious. College Students: girls are clothes and so on, boys buy equipment, and some boys like to play photography (equipment). In addition to the killing

“校园贷”乱象调查:大学生因无力还贷自杀  大学生因无力还贷自杀  近年来,各种“校园贷”广告充斥着高校校园。这种贷款,主打“利率低”“审核快”,吸引了大批高校学生贷款。然而,一些学生在贷款后,却付出了沉重的代价。今年10月上旬,广西南宁的大学生小陆以做生意为名,向同学借款160多万元,却因赌博有90万元无力偿还,留下遗书自杀,这也引发了社会对校园贷的再次关注。  10月9号,小陆在空间发了一条留言,称自己找同学借的90多万元,因自己沉迷赌博全部输光了,他只好一死了之。消息在小陆的亲朋好友间传开后,炸开了锅。根据大家统计,小陆分别以倒卖手机和演唱会门票、分期套现转卖等理由,找上百人借款,单笔数额从一两千元到30万元不等,总额达到160多万元。  小陆家境不错,平时的生活比一般的大学生奢侈许多。正因为看到小陆出手阔绰,相信他赚钱有方,不少同学从各个借贷平台上借来钱款,交给小陆打理。小沈就是其中的一个。他告诉记者,自己一个月生活费也就1200元,平时也攒不下钱,小陆便让他从网络贷款平台,分期贷款出来。  在校大学生 小沈:以高额的回报诱惑我,让我继续从平台里面借款出来。  起初,每到还款时,小陆都会按时打钱给小沈,直到得知小陆的死讯,小沈慌了神,他通过各个网贷平台前前后后借了将近30万元给小陆。如今这些在网贷平台上欠下的钱如何归还,就成了大问题。  跟小沈有同样遭遇的,还有小娟。小娟说,今年以来,她从2个网络贷款平台贷款了13000元,贷来的钱她全部交给了小陆用作投资,如今,这些债务却要她自己来还。  无独有偶,今年3月,河南的大学生郑某以28名同学之名网络贷款58.95万元,用于赌球遭失败,终于不堪压力走上绝路,结束了自己21岁的生命。此事经媒体报道后,引起人们对校园贷的强烈关注。  多数学生拿贷款消费  “校园贷”给学生们提供了一个脱离家人,却能轻易获得大量现金的平台,它迅速被大学生追捧,却也陷阱重重。  温州科技职业技术学院经济学副教授 陈晓鸣:学生的信用观念不足,第二是学生的还款规划不足,第三是学生借贷的目的不明,有一些学生贷款之后呢,不是为了满足日常生活的基本需要,而是用于一些高档消费品的消费。  采访中,超半数学生表示自己听过或用过校园贷,而借贷的项目也是五花八门。  在校大学生:女生就是衣服之类的,男生就是买设备,有些男生喜欢玩摄影(器材)的。  除此之外,租房、买手机、买自行车电瓶车等等,也都是大学生使用校园贷的常见项目。  在校大学生:因为我要是跟爸妈说游戏装备,他们是肯定不同意的。  校园贷利息惊人  据了解,目前,校园贷主要分为三种形式,一是专门针对大学生的分期购物平台,部分平台提供较低额度的现金提现;二是P2P贷款平台,用于大学生助学和创业;三是传统电商平台提供的信贷服务。名校贷和优分期是在校大学生常用的两个网络贷款平台。在名校贷官网,记者注意到,申请贷款人数已经超过160多万,申请的贷款金额则从100元到50000元不等。  在一个网购平台的网站上,记者留意到,网站上一部64G的iPhone 6s标价为5499元,12期还款,借款者一共需要还款6599元,其中利息将近1100元,计算下来年利率高达20%,远高于银行同期贷款基准利率。  记者发现,在学校的自习室、宿舍楼、公告栏上,小额贷款的广告随处可见。这些广告都打着风险低利率小的旗号,光凭身份证就可以拿钱,额度可以成千上万,听起来似乎贷款门槛很低。记者按照广告上所留的信息,跟负责贷款的人进行了沟通。这位负责人表示,他们是通过办理手机分期来拿款,如果是要借10000元,就要通过分期方式支付两台苹果手机的钱进行套现,一般是分期24个月,除了要缴纳1100元作为负责人伪造身份的费用外,每个月还得支付大约300元左右的利息。按这位负责人提供的算法,如果要借10000元,按24期还款的话学生最终要偿还的数额为18300元。  中国人民公安大学教授 王大伟:学生们从家乡走到高校以后面对很多吸引力,比如好的手机、名牌的鞋、名牌的衣服,大家觉得我要去买,还有就是有的孩子一到学校去,他可能比如陷到网瘾里面去了,他需要一定的钱,都采用这种借贷平台去借贷,校园贷它往往许诺你利息特别低,但实际上不是,利经过反复的测算之后很高。  校园贷被利用 危及大学生安全  2016年4月,教育部与银监会联合发布了《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》,明确要求各高校建立校园不良网络借贷日常监测机制和实时预警机制,同时,建立校园不良网络借贷应对处置机制。尽管如此,由于缺乏有力的监管,号称低利率的校园贷,依然吸引着大批学生趋之若鹜。除了宣称利率低外,很多“校园贷”还会主打“审核快”这个卖点,从申请到审核完毕、成功借款,时间非常短。  在校学生 小娟:就是需要学生证、身份证,之后就写学校地址、家里地址、爸爸妈妈电话、老师电话舍友电话,几乎就是我现在申请,下一刻十分钟之内都可以了。  2015年,中国人民大学(分数线,专业设置)信用管理研究中心撰写了《全国大学生信用认知调研报告》,这份报告走访了252所高校近5万大学生,报告显示,在弥补资金短缺时,有8.77%的大学生会使用贷款获取资金,其中网络贷款几乎占一半。只要你是在校学生,网上提交资料、通过审核、支付一定手续费,就能轻松申请信用贷款。然而,在校园贷款给学生带来便利的同时,造成的悲剧也越来越多。  2016年6月,媒体曝光高利贷团伙利用一些网络借贷平台,向大学生提供“裸条借贷”,在“裸条”借贷中,女生以持身份证的裸照为抵押进行借款,假使借贷双方私下议定的借款利息为10%,还要另外缴纳给借款平台的押金20%和中介费15%,就相当于其借1万元到手时只有6500元,但是还款、罚息时都按照1万元执行,这时学生也许并没有注意到,平台还有24%的年利率,其实借款利率高达30%到40%,如果还不上钱,还有高额逾期管理费,有的甚至被胁迫拍摄裸照。这也折射出来了校园贷隐藏的危机。  中国人民公安大学教授 王大伟:要区分正常的银行借贷和这些网络借贷平台,甚至小广告的这种高额利息的,这种借贷陷阱,首先呢公安机关要加强监管,加强对这方面的控制,一旦发现涉嫌到违法犯罪,要给予一定的打击,那么学校也好家长也好,还有学生个人也好,都要树立这种观念,要向这种高额借贷的陷阱说不。 “校园贷”乱象调查:大学生因无力偿还高额借贷自杀相关的主题文章: