网贷，仍在围猎大学生

Core Viewpoint - The article highlights the pervasive issue of online lending targeting university students, emphasizing the psychological and financial consequences faced by this demographic due to high-interest loans and predatory lending practices [3][10][29]. Group 1: Online Lending Landscape - Online lending has evolved from campus loans to a broader online loan market, which continues to thrive despite regulatory efforts to curb it [10][30]. - Regulatory bodies have issued multiple directives to prohibit online lending to students, yet these measures have been largely ineffective due to loopholes and lack of enforcement [9][30]. - The online lending industry has become a lucrative business, with companies like Qifu Technology and Xinyi Technology reporting significant profits and high sales margins [22]. Group 2: Target Demographic - University students, despite being legally adults, are often ill-equipped to handle financial responsibilities, making them prime targets for online lenders [23][29]. - The lack of financial literacy among students leads to a high acceptance of loans with exorbitant interest rates, often exceeding 36% when hidden fees are included [17][21]. - The ease of access to loans through popular apps and platforms creates a false sense of security, encouraging students to borrow without fully understanding the implications [24][14]. Group 3: Psychological Impact - Many students experience severe psychological distress due to overwhelming debt, with some developing conditions like severe depression [5][29]. - The societal shift towards a culture of borrowing rather than saving is concerning, as it may lead to long-term financial instability for young adults [36][38]. - The article warns that the normalization of debt among the younger generation could mirror the financial crises seen in other countries, particularly the U.S. [38][39]. Group 4: Regulatory Challenges - The fragmented regulatory framework surrounding online lending creates a vacuum where predatory practices can flourish [30]. - Key concepts related to responsible lending, such as "excessive borrowing" and "proper identification of borrowers," remain poorly defined, allowing lenders to exploit these ambiguities [31]. - The article calls for more stringent regulations and clearer definitions to protect vulnerable populations, particularly students, from falling into debt traps [35][31].