Banks, giants, scammers, and road loans have all come.
Editor’s note: This article is from WeChat public account “a financial account” (ID: Yibencaijing), the author of a financial.
文 | Euler
What kind of group is the student?
There is no economic strength, but behind them, there is a family as the pillar, and the latter has a strong repayment ability.
Because of fear of affecting the child’s future, parents usually have a strong willingness to repay.
In this case, although the regulatory layers are tightening, players seem to have never given up on the high-quality group of “student”.
These players, including the regular bank of the bank, there are also giants such as ants, jingdong white bars, micro-credit, Meituan Finance, and online lending platforms that use the edge ball, and even the underlying borrowing, lending and fraudsters.
The campus loan war is rekindled, and the battle for students seems to have never been offline, and there is no lower limit…
01Re-ignition of war
In 2016, the regulation banned illegal campus loans, and the market was once silent.
But financial players have never given up on this market. After supervising the suspension of illegal campus loans, many banks have entered the market.
According to media reports, as early as 2017, CCB Guangdong Branch did “Golden Bee Campus Fast Loan”; and Bank of China also launched “BOC E-Lending Campus Loan” products.
After that, several banks indicated that they would enter the campus loan market.
In addition to banks, the giants do not seem to give up the student community.
Liu Xin, a student who graduated from a university in Hebei in 2018, said that from junior to graduation, he borrowed 10,000 from the micro-credit loan and borrowed 20,000 from the loan.
A number of students also said that they have borrowed money on platforms such as Jingdong Baitiao and Meituan Finance.
Of course, not all students can get the credit line of these giants.
“The main credit criteria of these giants are still the extent to which users use the application. For example, if a student is a Taobao user, it is possible to get the amount of ants borrowed.” Pingjing, the head of a financial company’s risk control disclose.
The giants are going down, there are many online loan players.
On May 17 this year, less than one month from the college entrance examination is a crucial moment.
On the same day, under the guidance of a friend, Gao Lei, a high school student, applied for a loan in the preferred loan of the auction, and the amount of the next loan was 571 yuan, which was paid off in 9 installments.
Jin Lei’s loan record for the preferred loan of the auction loan
The loan was known to Jin Lei’s brother, and asked to pat the customer service: “Why do you provide loans to high school students?”
The other party did not respond, “Hang up the phone directly.”
In addition, many students have borrowed money from your loan platform.
潇潇 is to help friends pay back their money before they start borrowing online loans. In December last year, he was still a senior student. He borrowed 2,500 yuan from your loan platform and paid off in 12 installments.
潇潇borrowing records on your loan platform
“The campus is no longer quiet, and there are a lot of loans and consumption.” Pingjing said that in the past year, the campus has started to be busy again.
Because of the resurgence of campus lending, some fraud groups are also eyeing the student community.
On the evening of July 20, Xiaoying, a junior in a college in Shandong, suddenly received a call, and the other party claimed to be Jingdong customer service.
The other party said,Due to misoperation, Bang Xiaoying opened the Jingdong VIP member and needed to cancel the operation on the same day. Otherwise, 680 yuan will be deducted every month.
If you want to cancel this operation, you need Xiaoying to make a sum of money to do the punching, and then return the money to her after the operation is completed.
Xiao Ying had no money, and the other party induced her to open a loan for Jingdong white strips and gold bars, with a quota of 2,000 yuan and 4,900 yuan respectively.
After that, the “customer service” allowed Xiao Ying to open a loan for Didi Financial and Meituan Finance.
Xiao Ying did it. Her application was rejected by Didi Financial, and although Meituan Finance refused, it also diverted the application information to other online lending platforms.
In the end, the online loan platform gave Xiaoying a loan of 7,500 yuan.
Xiao Ying’s loan record in Jingdong and online lending platform
Xiao Ying loaned a total of 18,300 yuan. She credited the money to the account provided by the “customer service”.
Xiao Ying’s transfer record to the other party
After the money hit, the customer service disappeared and the money was not returned.
Xiao Ying was deceived and cried and called to tell her father.
The father immediately called the police and has been dealing with these financial platforms since then. “The other party did not give a solution, but always said that the loan is legal.”
Beyond Xiaoying, many students also complained about being cheated on the Internet. The routine is exactly the same: let them borrow money and then make money.
“Students are really the favorite group of scammers because they lack social experience, are unfamiliar with finance, and are easy to believe in others.” Ping Jing said.
The campus loan has been hot again, and even led to fraudulent gangs. Parents have also begun to question whether these so-called “regular army” really should provide loans to students?
02Edge ball
Internet giants and online lending platforms, is it a regular army? Industry pairThis is still quite controversial.
Some people think that as long as the source of funds is banks and licensees, it is a formal “campus loan.”
According to this statement, the products of the giants and some online lending platforms are indeed compliant.
But parents don’t agree with this.
“Students do not have the ability to make money, give them any consumer loan products, they should first inform their parents, let parents judge whether they should be loaned.” A Beijing student’s parents once and the school reflected that even if the loan product is “regular If such products are in the market, students who have no self-control and ability to make money can easily become “over-indebted.”
“When a child applies for a loan, the school where the address and address are written, as long as it is a normal person, can judge that the borrower is a student.” Xiaoying’s father also holds the same view, he thinks these The so-called “regular institutions” lend money to students, and there are also problems.
The complaints show that in 2019, the number of complaints related to students from several head financial institutions such as pat on loan, you and me, micro-credit, Jingdong Finance, and Meituan Finance reached 100.
Most of these complaints are said that financial institutions lend money to students in school, causing the latter to be “over-indebted” and violent collections.
After you borrowed money on my loan, I also called to question the other person: “Why do you lend money to students?”
The customer’s customer service did not respond positively. Instead, he said, “We don’t provide loans to students. You are a fraudulent loan.”
After returning to the loan page, I saw a line of light-colored characters at the bottom: no loan service to students.
“I have become a fraudulent lender of concealment status? Financial institutions do not need to bear the responsibility of lax review?” I can’t understand this.
Usually at this time, the giants and some online lending institutions will argue: “I don’t know that the other is a student, and I can’t judge them as a student.”
“This is the secret of the industry open, everyone is playing the age of the ball.” Ping Jing revealed.
What is the age of the ball?
At present, the regulation does not limit the lower age limit of the lenders, nor does it have an age division of the campus loans.
In the past, financial institutions can judge borrowers by querying the letter network.Whether it is a student.
But from 2016, the data of Xuexin.com is no longer open.
Therefore, many financial institutions set the threshold for lending to 22 years old.
But actually, many juniors and seniors are over 22 years old. “Through this edge ball, you can cut down many student users.” Ping Jing believes that this is a deliberate sloppy look of financial institutions.
But he believes that such an operation is not worth the candle.
“Because parents are going to supervise and media complaints, and bear these moral pressures, it is better to give up these users.” Ping Jing said that there are many ways to keep student users out.
You can raise the borrowing age a bit higher, such as 23 years old or even 24 years old.
Or a telephone review for a borrower who is under the age and fill in the address at the school.
But for some organizations, interest seems to be more important than fame.
03Fancy loan
The campus loan market is not only the head of the company, but some consumer installments, borrowings and offline mortgages have also begun to re-energize.
In November last year, junior student He Lin planned to do nasal plastic surgery. The hospital’s offer was 20,000 yuan.
The staff of the hospital told her that she could apply for the instalment and recommended a loan platform called “Attendance” to her, and directly handled the 20,000-yuan instalment.
“Attendant” directly sent the loan to the hospital’s account. He Lin repaid in 12 installments with a total interest of 1768 yuan.
He Lin’s loan at the “Assistant”
When the arrears were still 4 years old, He Lin found in an inadvertently browsing the hospital website: “The exact same surgery, the price is only 3,000 yuan.”
“I feel that I may be cheated. The hospital and the lending platform are likely to be collusive.” She stopped paying back and planned to talk to the “helper.”
However, just two days after the deadline, there was a call to urge her to continue repayment, and even sent a message to her relatives and friends.
There are no consumption scenarios on each line.Abandoned students, a group with strong consumer impulses.
In addition to medical and aesthetic loans, education loans, renting loans and other platforms, there are many cases of staging students.
And 714, the way to lend, is to regard students as the core of the harvest.
In order to buy game equipment, Zhang Tianyi began borrowing from his sophomore year, and the more he borrowed, the more likely he could borrow more than 30 platforms.
At the beginning of this year, Zhang Tianyi entered the fourth semester of the senior year. In order to repay the overdue online lending platform, he even borrowed 714, and 55 super anti-aircraft guns.
Zhang Tianyi’s record of borrowing money from the 714 and 55 super artillery platforms
“Online lending is easy to be seized by supervision. Many gangs have directly moved to the offline line and are active around the campus every day.” Pingjing said that campus lending has now expanded to the offline.
At present, “mortgage loans” have become popular on campus.
Students can mortgage their own computers, mobile phones, bags, watches and other luxury goods offline, and get the money right away.
“Interest 10%. After you finish the money, the things are returned to you; if you don’t, you can sell them.” Chen Yi, the lender.
The price of collateral is generally lower than the secondary market.
For example, a 2017 13.3-inch MacBook Air notebook, in the case of trouble-free, scratch-free, the price of love recycling is 2950 yuan.
The price of the mortgage is only about 1,500 yuan, and the specific price depends on the computer.
“This is normal. If you can’t afford the money, we have to count the interest and labor costs.” Chen Yi said.
In addition to the real thing, the driver’s license has become something that can be mortgaged.
“12-point driver’s license can be mortgaged for 2,000 yuan. If the student is not yet available, they can take the driver’s license and sell it.” Chen Yi said.
The offline lending platform puts advertisements, distributes flyers, and recruits student agents at the school outlets to obtain customers.
nickname, often there are student agents to go to their dormitory to pushOn the platform of selling and lending, advertisements posted on the loan platform can be seen everywhere on campus.
School loan advertisements posted in a university in Shenyang
Loans on campus are still everywhere. A net of traps was sneaked down and waiting for students to vote.
Some institutions are even putting long lines and catching big fish.
“These students will become the best loan lenders after leaving the campus.” The founders of a startup revealed that they are doing some campus apps to address some of the campus needs.
“Many people feel that we don’t make money by doing this. In fact, we hope to wait for these students to enter the society and then provide them with loans,” he said.
The harvest of finance has advanced to every corner of the student’s life, even the future.
And Alipay starts to infiltrate.
In recent days, Alipay has launched an offline payment device called “Handy Wizard” on Taobao.
The price of this device is $62, which can be tied to the parents’ Alipay.
Use it, children can directly consume without being connected to the Internet, and deduct from the parents’ Alipay.
“PaymentBao is so powerful that the tentacle has reached out to the primary school students. “After this industry insider’s teasing, you can also see how much Alipay’s ambitions.
Should I provide loans for this group of students? Even if it is a compliant loan, should there be a limit?
In this regard, the industry is still arguing.
Finance can activate the future, but sometimes it can overdraw the future.
For financial institutions, it is first necessary to balance the balance of interests and ethics.
*Respondents in the text are pseudonyms.