Slight boy (alias) who had just graduated two months from a well-known 211 university in nanjing, who had been in the middle of the day, had died, leaving only a note and an endless sorrow for his loved ones。
On 2 september, in distress, grandparents also received a call from the loan platform. Earlier, on 31 august, at 2 p. M., xue crashed into a hotel in nanjing。
“i have been fighting every hour of the year, and every time it's dark, the feeling of tearing me apart, i can't stand it.” before the crash, shigeki, age 23, sent this message to his classmates。
34 in 3 months before he diedInternet lendingApplications
His uncle said yesterday there was a platform called "blue cat finance" and "greengrass" calling his brother (his father) to collect the loan。
According to the debt-service recording provided by uncle xu, the child borrowed 3,000 yuan in principal from the loan and one day was overdue. Blue cat finance, for its part, claims to have made two loans on its platform, one of which was $1,100, and currently owes $505。
Uncle xu said that the children had always been good, from elementary school to third grade, and that the impression of their families had always been bright. In april this year, xu got a text from the kid saying he owed about $90,000School loansIt was impossible to stand up to the fact that he had been breaking down the wall and texting his father in the hope that he would return it. His father went to a police station next to his school to report the case and gave the money to the child to assume that the child had paid off the school loan and that he had received a reminder from the loan platform until the child left. Uncle xu said that he had borrowed money from his classmates in august this year, according to the police, in order to repay the internet loan。
Smaller commonly used mobile phone numbers were checked through the third-party credit system and found that 34 applications for network loans were made within 90 days and 56 applications for network loans within 360 days。
According to uncle xu, after graduating from university in july of this year, xue was successfully recruited to a non-satisfied unit, but, owing to his intention to study, he abandoned his job opportunities and stayed in nanjing for further study。
For shigeSuicideThe police had intervened to investigate whether it related to school loans。
"please stay away from school mortgages." uncle xu said that young men who were simple like white paper were passing away, and that they wanted all students to stop doing thatTragedyCome on。
School mortgages are bad, why is it so bad
Those who lost their lives on campus loans didn't stop them. The platforms stretch their claws into the campus! The grief of parents is repeating:
In march 2016, zheng deok-kyung, a student of the henan school of pastoral economics, made loans of nearly $600,000 on various campus financial platforms that he could not repay, and, after he had been forced to pay through various means, he jumped off the 8th floor of a hotel in qingdao city; in april 2017, a two-year-old girl from xiamenhua school was forced to commit suicide in a hotel in quanzhou by giving a nudity to pay a debt; and in september 2017, a 21-year-old senior student, chu zhu chiiti, made a loan of more than 200,000, who could not repay the loan. Before he lost contact, he also sent a self-inflicted video to his classmates, where his left hand cut three deep wounds。
Weeds, nudity, suicides are the result of a variety of negative news and even vicious events that continue to erupt on campus loansRegulationAttitudes continue to tighten. In the first half year of may 2016, the former silver college, the ministry of education and other ministries continued to issue documents on school loans, with a much less stringent regulatory attitude。
However, why does school mortgages continue
According to xiao shihai, an industry observer and co-founder of the society:
The first is that former campus lending institutions have built up path dependence and will not do anything but lend to campus
Second, some of the cash loan products were packaged into regular consumption instalments, thus penetrating the school market
Thirdly, for formal financial institutions, ordinary students are not very good-quality borrowers, and even if they can provide loan support at a limited level, more capital needs and even students who develop a lending habit can only reach out to the campus。
Supply and demand have always existed, and regulation has failed to identify and effectively discipline “disguise school loans” and is difficult to curb the combination of supply and demand。
From the point of view of borrowers, the entire society advocated early consumption, “after 000” and “after 90” had developed a habit of borrowing consumption, and the chopping party had embarked on borrowing under the full-scale bombing of shopping festivals such as “6-18” and “2/11”. From the point of view of the lending platform, it is “interest-driven” because, in the immediate environment, school loans are a good profit growth point。
Banks are not motivated for many reasons:
One is the interest rate limit. The profitability model of campus lending is based on high-interest coverage and high-risk coverage, but banks, as regular soldiers, have high expectations that they will not be able to follow high-interest paths, making their campus lending products difficult to profit and less commercially sustainable。
Second is business restrictions. The campus lending market is too fragmented, excluding, first and foremost, local banks that cannot operate across regions, while national banks are large and have limited space in the campus lending market to attract strategic attention。
Third is the competition factor. The internet giants have achieved a high degree of penetration of the school community by means of payment tools, holding the market firmly. For banking institutions, school loans are not undeveloped virgins, and even full investment may not yield good results。
Four is reputational risk. School lending has limited space, but public opinion is highly sensitive and prone to reputational risks, further undermining bank motivation。
In the case of micro-credit companies and non-licensed institutions, students who do not have a source of income are credit-conscious and are relatively high-quality customers who, under pressure to operate, are reluctant to abandon the market. At the same time, in practice, the identification of the student of a borrower requires the initiative of the lending institution, which, if it deliberately fails to do so, can, to a certain extent, overwhelm the supervision and public opinion of the student population by granting loans to the student population on the pretext of failing to identify the borrower, so that a number of institutions are still engaged in school lending with a sense of luck。
