警惕非法“校园贷”！北京金融监管局拆解四大套路，这些坑别踩

Core Viewpoint - The Beijing Financial Regulatory Bureau has issued a warning against illegal "campus loans," emphasizing the need for students and parents to be vigilant and recognize deceptive practices in the lending industry [1] Group 1: Types of Illegal Campus Loans - Illegal campus loans primarily consist of four deceptive practices, with the first being misleading names that disguise the true nature of the loans, such as "training loans," "beauty loans," and "job-seeking loans" [1] - The second practice involves "yin-yang contracts," where students are tricked into signing contracts with inflated amounts compared to the actual loan received, or signing blank contracts that are later filled with unfavorable terms [1] - The third practice is enticing offers that promise loans with minimal requirements, such as only needing an ID or student card, and promoting low interest rates and quick approval times, which can lead to excessive borrowing and financial strain [1] - The fourth practice involves a cycle of borrowing to repay previous loans, leading to aggressive collection tactics that can threaten students' safety and well-being [2] Group 2: Recommendations for Students and Parents - The regulatory body advises students and parents to adopt a rational consumption mindset, emphasizing the importance of frugality and proper financial planning to avoid overspending and excessive debt [2] - It is recommended that students communicate with their parents regarding financial needs and explore legitimate funding options, such as scholarships or loans from accredited financial institutions [2] - Consumers are urged to protect their personal information, carefully read loan agreements, and ensure that the terms are legal and reasonable before signing [2] - In case of falling into illegal loan traps, students should remain calm, inform their parents and teachers, keep all relevant documentation, and report to authorities to seek legal recourse [2]