Core Viewpoint - The Beijing Financial Regulatory Bureau has revealed the main tactics used by illegal "campus loans" in its latest consumer risk alert, highlighting the deceptive nature of these loans disguised as various forms of financing. Group 1: Tactics of Illegal "Campus Loans" - Illegal online lending institutions are using e-commerce platforms, social media, and local service platforms to attract victims, presenting "campus loans" under misleading labels such as "training loans," "beauty loans," "leaseback loans," "order brushing loans," and "job-seeking loans" [1] - Other significant tactics include "loan to pay loan" schemes and the use of dual contracts, which are also highlighted in the risk alert [1] Group 2: Recommendations for Victims - The Beijing Financial Regulatory Bureau advises individuals who find themselves in illegal "campus loan" situations to remain calm, inform their parents and teachers, and retain evidence such as loan contracts, transfer records, and collection information [1] - It is recommended to report to the police promptly and seek legal protection [1]

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]