大力整治非法“校园贷”

Core Viewpoint - The article emphasizes the need for vigilance against illegal "campus loans" that target students, highlighting the deceptive practices used by illicit lending institutions and the importance of collaborative efforts to protect students [1][2]. Group 1: Nature of Illegal Campus Loans - Illegal "campus loans" often disguise themselves under various forms such as "training loans," "beauty loans," "leaseback loans," "order-filling loans," and "job-seeking loans," making them highly misleading [1]. - Unscrupulous lending institutions exploit students' lack of financial knowledge and experience, often presenting contracts with inflated amounts compared to the actual funds received [1]. - These institutions lure students with promises of "no collateral, high limits, and low interest rates," encouraging excessive and impulsive borrowing [1]. Group 2: Recommendations for Stakeholders - Universities should enhance campus network security, filter illegal advertisements, and establish a warning mechanism to monitor online information effectively [2]. - Financial regulatory bodies need to strengthen oversight of financial activities among students to create a safe and healthy environment [2]. - Law enforcement should intensify efforts to combat financial fraud targeting students and establish specialized teams for prevention and response [2]. Group 3: Student Responsibilities - Students are advised to develop a rational consumption mindset, plan their expenses wisely, and avoid impulsive borrowing [2]. - Before applying for loans, students must thoroughly read contracts to understand loan amounts, interest rates, and repayment terms [3]. - In case of encountering illegal lending practices, students should remain calm, report to authorities, and gather evidence to protect their rights [3].