Core Points - The article highlights the dangers of campus loans, particularly focusing on a case where a student was lured into a high-interest loan scheme, leading to significant financial distress and harassment from debt collectors [1] Group 1: Loan Scheme Details - A student named Xiao Wang was approached by a stranger on WeChat, who offered assistance with online loans [1] - The loan manager, identified as Manager Xia, charged an exorbitant interest rate of 30% per week and provided a total of 30,000 yuan in loans [1] - Within three months, the total loan amount ballooned to 60,000 yuan due to the compounding interest and pressure to take new loans to pay off old debts [1] Group 2: Impact on Student Life - The harassment from debt collectors included physical visits to the student's dormitory and public postings demanding repayment, severely disrupting the student's life and studies [1] - The situation prompted Xiao Wang to seek help from the police due to the escalating threats and intimidation [1] Group 3: Risk Awareness and Financial Planning - A warning from Guangfa Bank's Nanjing branch emphasized the importance of risk awareness regarding campus loans, including interest and credit risks [1] - Students are advised to create a clear consumption plan based on their actual needs and financial capabilities to avoid falling into debt traps [1]
以案说险|广发银行南京分行提醒您：理性消费 别让非法校园贷“贷”走你的青春
Jiang Nan Shi Bao·2025-09-23 07:09