大学生缺乏社会经验，辨别能力相对较弱，欠缺基础金融知识和风险意识。不法网贷机构利用这些弱 点，有的在签订合同时书面金额远高于学生实际到手金额，有的诱骗学生在空白合同上签字，之后随意 填写不利于学生的条款。不法网贷机构还以"无抵押、高额度、低利率"为噱头，故意降低门槛、通过诱 导性营销，诱导学生过度消费、超前消费、盲目借贷。部分学生因无力偿还债务而遭受非法催收。 面对非法"校园贷"入侵校园，需要多方发力共同当好校园金融安全的"守门人"。 广大学生应树立科学理性的消费观。大学生应培养良好的消费习惯，量入为出，合理规划日常开销，避 免超前消费、过度消费。如确有资金需求，需要事先与父母沟通，认真评估自身还款能力，向学校申请 助学贷款、助学金等，或通过正规持牌金融机构咨询办理业务。 近日，国家金融监督管理总局北京监管局发出提醒：警惕非法"校园贷"，辨别非法外衣，共同保护学生 群体茁壮成长。 非法"校园贷"进入校园往往披着各式各样的外衣。监管部门已披露的案例中，不法网贷机构往往通过电 商平台、社交平台甚至本地生活服务平台引流，给非法"校园贷"披上"培训贷""美容贷""回租贷""刷单 贷""求职贷"等形式多样的外衣，极具迷 ...

广发银行南京分行提醒您： 1.提高风险意识：面对校园贷，应充分认识到校园贷潜在的风险，包括利率风险、信用风险等。在借款 前，应对自己的还款能力进行合理评估，警惕低门槛和隐藏费用。 大二学生小王因日常开销超支，苦于无钱周转，一位微信备注名为"钱多多"的陌生人请求添加小王为好 友，"钱多多"告诉小王，自己可以帮助学生进行网贷。"钱多多"向小王推荐网贷公司的夏经理，夏经理 对小王身份进行了"审核"，并以周息30%的高额利息，先后向小王发放了"贷款"共计3万元。小王"上 钩"后，夏经理又以"催债"为由，迫使小王接新债还旧债，短短三个月，小王的"贷款"总金额便以滚雪 球方式迅速增长至6万元。期间，还有不少不明身份人员到小王所在高校，以张贴"悬赏"告示等方式， 对小王进行讨债，甚至直接到小王寝室搜寻其下落，不仅让小王终日处于担惊受怕状态，还严重扰乱了 高校师生的正常学习生活秩序。小王遂向警方求助。 大学生应树立理性消费观，适度消费！ 2.合理规划消费：应制定明确的消费计划，树立正确消费观。同时，根据自己的实际需求和经济能力来 制定消费计划，避免盲目追求高档商品和奢侈生活。还款计划应根据自己的还款能力和借款金额来制 定，确 ...

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].

北京商报讯（记者 宋亦桐）9月17日，北京金融监管局发文表示，在加强"校园贷"监管，明令禁止小额 贷款公司向大学生发放互联网消费贷款的背景下，仍有不法网贷机构暗中将"黑手"伸向校园，北京金融 监管局提醒广大学生及家长：警惕非法"校园贷"，辨别非法外衣，共同保护学生群体茁壮成长。 非法"校园贷"主要有四大类套路，具体来看，套路一：巧立名目勿轻信。不法网贷机构通过电商平台、 社交平台甚至本地生活服务平台引流，给非法"校园贷"披上"培训贷""美容贷""回租贷""刷单贷""求职 贷"等形式多样的外衣，极具迷惑性。 套路二：阴阳合同擦亮眼。不法网贷机构利用部分学生社会经验不足等弱点，有的签订合同的书面金额 远高于学生实际到手金额，有的诱骗学生在空白合同上签字，之后随意填写不利于学生的条款。 套路三：花样引诱莫贪心。不法网贷机构宣称仅凭身份证、学生证即可办理贷款，以"无抵押、高额 度、低利率"为噱头，故意降低门槛、夸大好处，甚至宣称"三分钟到账"，通过诱导性营销，诱导学生 过度消费、超前消费、盲目借贷。部分学生因无力偿还债务而遭受非法催收，引发严重后果。 套路四：以贷养贷要止步。大学生群体一旦出现贷款逾期，不法分子往往采 ...

Core Viewpoint - The article highlights the resurgence of illegal "campus loans" in China, posing significant risks to students' financial well-being and urging them to adopt prudent financial practices and utilize legitimate funding sources [1][2] Group 1: Risks of Illegal Campus Loans - Illegal "campus loans" are re-emerging, severely harming students' interests [1] - Some fraudulent online lending platforms lure students with low thresholds, quick processing, high limits, and low interest rates, leading to excessive borrowing and debt [1] - Students unable to repay debts face illegal collection practices, resulting in serious consequences [1] Group 2: Recommendations for Students - Students are advised to establish a rational consumption mindset, emphasizing frugality and responsible spending to avoid overconsumption and peer pressure [1] - It is recommended to apply for financial aid through legitimate channels, such as national student loans and scholarships, to ensure academic completion [1] - If considering commercial student loans, students should communicate with parents, assess repayment capabilities, and carefully review loan agreements to ensure legality and fairness [1] Group 3: Legal Protections - In case of falling into illegal "campus loan" traps, students should remain calm, inform parents and teachers, and retain evidence such as contracts and payment records [2] - Immediate reporting to authorities is advised to protect legal rights [2]