21-year-old Ding Xiao Xiao Xu (a pseudonym), currently studying in Guangzhou. Because he was playing online and playing games, Xiao Xu was deeply involved in private loans and profits. The “whirlpool†was difficult to extricate. He and his family were frequently harassed and even intimidated and threatened by the lending platform. The family has been worried and normal all day long. Was severely affected. Xiao Xu looks sad Online shopping game, the monthly living cost of 1,200 yuan is not enough, has borrowed money in more than 10 "campus loans" Xiao Xu is 21 years old and his hometown is in Ding'an. He is currently studying sophomore at a university in Guangzhou. It is understood that Xiao Xu’s parents give Xiao Xu a living allowance of RMB 1,200 per month, but he still cannot meet the consumer needs of his shopping games. In December last year, Xiao Xu wanted to do a small business to subsidize living expenses. He borrowed 6,000 yuan on a lending platform on the Internet. He wanted to buy a batch of watches online and sell it to make a difference. The result was ultimately online shopping. In the end, the money owed a butt debt. Family received threatening SMS Because he is still not on the loan, he dared not reach out and ask family members, he couldn't stand the debt of the lending platform. He decided to borrow money from other lending platforms and repay it. As a result, Xiao Xu has once again borrowed the second and third home... In this way, he has borrowed more than 10 campus lending platforms, and the principal plus interest and service fees amount to 70,000 yuan. The eastern wall was demolished and the Western Wall was demolished. The “hole†was made up and the money owed was as high as 320,000 yuan. In order to meet the consumer desire, Xiao Xu did not hesitate to borrow money online, but he never expected that the loan would have "rolled" into a "big snowball" in a short period of six months and he could not breathe. Because of the increasing amount of money, Xiao Xu continued to dismantle the Western Wall to fill the Western Wall. The principal and interest increased to 190,000 yuan. The parents only paid 1200 yuan per month for living expenses and wanted to pay off the monthly loan. It was simply not enough. Xiao Xu had to let a few good friends and help him borrow more than 60,000 yuan on the campus lending platform. Together with the 70,000 yuan that he had owed before, Lee's profit was actually as high as 320,000 yuan! When the borrower left a phone with friends and family, the family was debt collection call, threatening short message bombardment In addition to his personal information, Xiao Xu’s loan information includes communication contacts including parents, relatives, teachers, and classmates. Because Xiao Xu did not pay back the money in time, the lending platform began to harass him and his relatives and friends and harassed the phone, frequently intimidating and threatening information. Xiao Xu and his family and friends were seriously affected by their normal work and life. The reporter learned that Xiao Xu’s parents collected utility bills in a community and did cleaning. The wages they got in a month were not more than 3,000 yuan. Xiao Xu’s sister was recently unemployed; Month 2000 yuan. The loan owed by Xiao Xu is undoubtedly an astronomical figure for this family. At the beginning, parents and sisters raised money to help Xiao Xu pay 30,000 yuan, and did not expect that he owes more money than these. After a while, his family borrowed 130,000 yuan from around and helped Xiao Xu pay more than 10 borrowing platforms. He still owes 190,000 yuan. Although some loans have been repaid, harassment, threats and intimidation of telephone calls and text messages have not stopped. In desperation, Xiao Xu and his family decided to call for help. The State's three departments jointly issued a "notice": online lending institutions engaged in campus lending will suspend new business The reporter learned that many university students are now using campus loans. In fact, Hai Dasan student Xiao Zhang (a pseudonym) is one of them. Because he is facing immediate employment problems, he opened an online shop with his friend's recommendation. Specializes in Hainan specialty products. Opening the shop's funds, Zhang himself took care of most of it, leaving a small portion of him borrowing 1,000 yuan and 2,000 yuan from the two campus lending platforms. "Although the campus loan can temporarily solve the problem of funding shortages, there is a huge risk of usury at the same time, so I dare not borrow more and I am afraid that it is still not. Now, I have already paid back 3,000 yuan I borrowed before." said Xiao Zhang. . In recent years, the news that college students bear large sums of arrears due to borrowing money from campus loans has burst out frequently, and incidents of not committing suicide due to arrears and dropping out of school have occurred. In response to the problems caused by "campus loans," the China Banking Regulatory Commission, the Ministry of Education, and the Ministry of Human Resources and Social Security jointly issued the "Notice on Further Strengthening the Management of Campus Loans". The "Notice" requires that all online lending institutions engaged in campus loans suspend new business and gradually absorb the existing stock business. In addition, institutions that have not been approved by the China Banking Regulatory Commission may not enter the campus to provide credit services. The annual interest rate of private lending exceeds 24% without legal protection Lawyers reminded that the annual interest rate of private lending exceeds 24% and is not protected by law. If college students need to borrow money from formal channels such as state student loans, the high-risk loan risks and harms are extremely high. They should be vigilant and far away.
