提醒大学生警惕非法“校园贷”陷阱

Group 1 - The core issue of illegal "campus loans" has resurfaced, posing significant risks to students, prompting warnings from the National Student Financial Aid Center and universities [1][2] - Despite previous regulatory efforts since 2017 to curb illegal "campus loans," such as suspending online lending to students and implementing stricter supervision, these loans continue to proliferate through various platforms [2][3] - The actual annualized interest rates on some loans exceed the legal limit of 24%, leading many students into debt traps, with unclear collection processes causing confusion and distress [2][3] Group 2 - Recommendations to combat the threat of "campus loans" include fostering a rational consumption mindset among students and utilizing established financial aid systems, such as national student loans and scholarships [3] - The number of students in higher education in China is on the rise, with an estimated 47.63 million enrolled in 2023, and the annual consumption scale for students projected to reach approximately 850 billion yuan in 2024, indicating significant market potential [3] - Financial institutions are urged to ensure compliance with regulations and promote responsible lending practices, including avoiding deceptive marketing tactics aimed at students [4]