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Although campus lending has been banned, some channels for providing online loans to college students are still sneaking on social networks. Recently, the reporter of “Daily Economic News” found many accounts on Weibo that clearly point to college students’ loans. These Weibo account names include “college students”, “loans”, “borrowing money” and other keywords. 100,000 fans.

The reporter contacted several of them as college students. Many people said that they can issue loans to reporters. They all charge a handling fee. The handling fee ranges from 15% to 30% of the loan amount.

The campus loan has long been banned. Why do these Weibo accounts clearly point to college loans? If college students can get loans through the loan intermediary behind the account, how does it work? Is there any pre-existing fee for the account number, is it true or false? In response to these problems, the reporter launched an investigation.

Social media account is a “campus loan” diversion

Search on the Weibo platform with “loan” as a keyword, and you can find many loan intermediary accounts. Among them, many account names clearly point to “college students”, such as “large-term staging, stable loan of college students, borrowing money, borrowing money”, “loan borrowing money for college students”, “loan college students under small sum of money”, these accounts All of them are advertised on the homepage with information such as “no prior fee” and are attached with contact information such as WeChat or QQ.

The reporter contacted several intermediaries as a student.

“Screen shot of sesame split flower”, this is the opening remark of the intermediary A to the reporter, name, age, specific work, whether it is Apple mobile phone, how many people in the address book, current debt… Then, the intermediary A asked the reporter to fill in a number of Personal information. After knowing the identity of the journalist, he also asked to send a screenshot of the student letter network.

After confirming the living expenses provided to reporters at home, Agent A sent a link to the website and said: “This is the background of our company’s application. The more the data is certified, the higher the pass rate, the more certain the information must be. The parent number is forbidden to falsify. There is only one chance. After submitting the screenshot, please give me a copy of the review.”

At the same time, the intermediary stressed: “We have no interest here, only the handling fee, the first time the fee is 30% of the quota, because the first cooperation, the company risk is relatively large, the next time it will drop, the cycle begins It is 7 days, and later become an old customer can apply for a reduction in fees and an extension of the period.” Before the certification, the intermediary A charged the reporter a 12 yuan audit fee.

The link points to a page called “Cow Brother Finance”, and reporters can’t find relevant information in the mobile app store or on the computer side page.