Zhao Jianjun, deputy director of the Finance Department of the Ministry of Education, recently emphasized，No online loan institution is allowed to issue loans to college students；In order to meet the financial Sky Bet needs of students，Encourage formal commercial banks to offer small credit loans for college students。
It is reported，CBRC、Ministry of Education、After the Ministry of Human Resources and Social Security jointly issued the "Notice on Further Strengthening the Standardized Management of Campus Loans" in June this year，Most campus loan platforms have withdrawn from the campus market，Or close it directly，But there are still some platforms that are continuing to operate，There is also a new variant of campus loan，And intermediaries have become the most chaotic area for campus loans。
一、How to prevent the “loan shark” trap
With the sudden rise of online lending institutions，Some online platforms use the banner of “campus loans”，Adopt false propaganda，Deliberately lower the loan threshold、Concealing the actual tariff，Inducing college students to overconsumption、Advanced Sky Bet ，Even burdened with "loan sharking"。
The "campus loan" trap generally has the nature of loan sharking，Not only will it breed bad habits among Sky Bet who borrow money，If you cannot repay in time，Lenders will also use various means to collect debts from Sky Bet 。Some criminals also use "loan sharking" to carry out other criminal activities，Infringement of student rights，Causing Sky Bet ’ families to fall into difficult situations，Cause serious impact。
Experts say，Want to guard against the “loan shark” trap，Sky Bet should do the following:
●Tightly keep personal information and documents。Sky Bet should pay attention to strengthening the protection of their own privacy，Including personal information and documents, etc.，Prevent being used by people with evil intentions，Cause personal reputation、Profit loss。
●Loans must be obtained from formal financial institutions。Today，Each bank has student loans and other projects specifically for student groups。Many banks have also “opened their front doors”，Launching formal campus loan products，For example, China Construction Bank’s “Study e-Loan” product。When encountering financial problems，Student groups should strengthen communication with counselors、Communication with school management departments, etc.，Prevent criminals from taking advantage of the opportunity。
●The loan must be used for the right purpose。College Sky Bet should consume in moderation，Inherit the fine tradition of diligence and thrift，Increase your own risk awareness。Don’t over-consume to satisfy immediate pleasure and comparison mentality，Fell into the "loan shark" trap，Cause indelible harm to yourself and your family。
●Strengthen prevention awareness，Identify the traps in online loans。Campus online lending platform is driven by the need to seize the market and compete，Conceal or obscure the actual tariff、Late fee、Liquidated damages, etc.。Many “campus online loan” platforms have a very simple review process for college Sky Bet applying for loans，After college Sky Bet fill in their personal information，Confirm information mainly through remote video and other channels，Easy to cause information leakage and uncivilized collection。
2. Establish a correct concept of Sky Bet
With the rapid development of social economy，Many college students have unplanned Sky Bet 、Luxury Sky Bet 、Unreasonable Sky Bet structure and other issues。
Experts pointed out，There are three bad consumer psychology，Respectively, Sky Bet caused by herd mentality ("Everyone is like this，Me too”)、Sky Bet caused by the psychology of seeking differences (“different，New and different”)、Sky Bet caused by comparison mentality (“Look up to the same level，I have nothing but myself”)；What is worth advocating is Sky Bet dominated by a realistic mentality，That is, it should be realistic，Pay attention to benefits。
Experts from China Everbright Bank remind college Sky Bet to start from three aspects，Be a sensible consumer。
——Reasonable planning，Make a rational Sky Bet plan。The first thing is to clarify your financial goals，Give yourself a short term、mid term、Calculate long-term financial expenses，For example, a dinner party、Digital products、Postgraduate entrance examination、Graduation travel, etc.，So that you can understand your needs more clearly。The next step is to develop a financial plan，Without stable income，Arrange your Sky Bet expenditures reasonably，Understand spending direction and Sky Bet behavior through accounting analysis，In order to adjust the Sky Bet structure in a timely manner，Reduce unnecessary expenses。
——Increase revenue and reduce expenditure，Develop good financial management habits。Spend according to your own Sky Bet budget，Reduce impulsive Sky Bet when the brain is hot，Recognize that “throttling” does not mean restricting Sky Bet ，But consume reasonably，Realize maximum value。Meanwhile，College students do not yet have a fixed source of income，Sky Bet expenditures mostly rely on family support。Therefore，Should follow diligence and frugality、Principles of sound financial management，Those with idle funds，On the premise of paying attention to the risks，Making appropriate financial investments；But we should also pay attention to rational investment，Don’t follow the trend blindly。
——Correct understanding，Follow certain Sky Bet principles。College students should establish a reasonable concept of Sky Bet ，Treat Sky Bet wisely。When spending money，Don’t blindly pursue class，Pay attention to comparison；Avoid following the crowd and emotional Sky Bet ，You should consider more the cost-effectiveness of the items you purchase and your own affordability。
