Core Viewpoint - The Beijing Financial Regulatory Bureau has issued a consumer risk warning regarding illegal "campus loans," highlighting four main deceptive practices used by illicit lending institutions [1][4]. Group 1: Deceptive Practices - Illicit lending institutions disguise "campus loans" under various names such as "training loans," "beauty loans," "rent-back loans," "order-filling loans," and "job-seeking loans," making them highly misleading [4]. - Some institutions exploit students' lack of social experience by having them sign contracts with inflated amounts compared to the actual funds received, or by tricking them into signing blank contracts that are later filled with unfavorable terms [4]. - These institutions lure students with claims of easy loans requiring only an ID and student card, promoting "no collateral, high limits, and low interest rates," which encourages excessive and impulsive borrowing [4]. - Once students fall behind on payments, they face aggressive collection tactics, including threats and harassment, leading to severe personal safety concerns [4]. Group 2: Recommendations for Students and Parents - Students and parents are advised to adopt a rational consumption mindset, practicing frugality and planning expenses to avoid overspending [5]. - It is recommended to seek financial assistance through legitimate channels, such as discussing needs with parents and applying for student loans or scholarships from schools or licensed financial institutions [5]. - Consumers should enhance their self-protection awareness by safeguarding personal information, avoiding unauthorized agreements, and thoroughly reviewing loan contracts to ensure legality and fairness [5]. - In case of falling into illegal "campus loan" traps, it is crucial to remain calm, inform parents and teachers, keep evidence of transactions and communications, and report to authorities for legal recourse [5].
警惕非法“校园贷” ,一地金融监管局发布消费者风险提示
Yang Zi Wan Bao Wang·2025-09-19 07:12