The loan money made from students is bloody in itself.
Editor’s note: This article is from the WeChat public account “ half buddha ” (ID: banfoSB), author of Half Buddha Fairy.
1
Recently, the official website of the Ministry of Education issued an announcement on “collecting clues to bad” campus loan “cases.”
Since this year, the People’s Daily has also repeatedly issued papers that emphasized the risks of campus loans and the need for the campus consumer financial market to be regulated.
On campus loans, there are signs of resurgence.
It must be acknowledged that with the development of the economy, students are indeed richer than the next generation, because their parents have accumulated enough and are good for their children. For most parents, it is natural instinct.
It is even more admitting that with the development of the Internet, the information received by students is becoming more and more attractive.
In the past, we mostly looked at how the richest classmates around us lived. After the development of social media and various grass-growing platforms, students saw what the brightest people in this field are eating, wearing, and playing What?
This stimulus is geometric.
Comparison and vanity are instincts engraved in human genes.
Students are gradually getting rich, grass planting and social media show-offs are becoming popular, and comparison and vanity are human instincts.
Adding the three together means that consumerism is beginning to sweep the campus, and campus loans are the wings of consumerism.
If there is demand, there is a market.
When there is a market, there is profit.
If there is profit, there is a sickle.
So campus loans are making a comeback, and the leeks are waiting to be cut.
2
The return of campus loans is actually not an accident, because from the point of view of profitability, aside from good and evil, the college student group is indeed the best and most fertile lamb.
As a professional risk controller, I intend to talk about the business logic and benefit structure of campus loans. Why is this a good business?
Of course, good business doesn’t mean it’s a good thing, it doesn’t mean it’s right.
A good business is a good business, and that’s it.
The group of contemporary college students who have been brainwashed by consumerism is itself a group of people who fit the scene of campus loans. As long as consumerism continues, campus loans will never die.
Let ’s take a look first. What are the core user portraits of college student loan groups?
Stupid, rich in money, vanity, and timid.
These 4 qualities are destined to be the best leeks. I ’m sorry if you do n’t cut them.The most fashionable dresses, the most handsome and beautiful bloggers, and the most provocative consumerism messages that you can receive at the moment.
This made their comparison a purely material purchase.
Friends in the same bedroom changed a pair of AJs and a gaming computer, and sisters in the same bedroom changed beautiful little skirts and bag lipstick.
Everyone sees it.
Young people have a strong impulse to live a good life, but the reality often cannot meet all their demands.
I want to eat well, dress well, want to play well, want to use good, want to compare, travel, want to attract attention, want to be no worse than the local tyrants, think about everything, but lack money.
At this time, a simple installment or a small sum of money can make you want it immediately.
This temptation is hard to resist, and once the ring is broken, the debt snowball behind it is taken for granted.
This is reflected in the product logic, which is high user stickiness, high renewal rate, and high loan willingness.
What is timid?
Stimidity is that college students are actually very easy to deal with, and the relationship network is relatively simple and easy to clean up.
Since you have n’t seen the world and do n’t understand the cruelty of social fighting, you can scare it easily.
If you do n’t pay back, will I call your house?
I’ll call all the students around you and say that you ca n’t borrow usury yet, are you afraid?
I’ll call your teacher, class teacher, counselor, or department head to say that you don’t pay the money back, are you afraid?
I’m suing you, are you afraid?
I’m afraid you will be fired without a diploma?
I’m looking for someone to squat in the dormitory area and wait for you, are you afraid?
Are you afraid that I ’m shouting your relevant information downstairs in your dormitory?
The major premise of all these things is that you owe me money and do n’t pay it back. In the sky, I first took a reason.
Are you afraid? If you know it, you’ll have to pay for it at home.
No money at home? It’s okay. Go to other loans to get the money and change to us first. The rest of the east wall will make up for the graduation work slowly. Do not affect the diploma and credit?
Look, it’s very easy to pack a student.
This means that the loan products represent high default costs of users and high loan recovery rates, which is a guarantee of profits.
Stupid, rich in money, vanity, and timid.
These four key characteristics have become the core logic of the business model of student loans, except for lack of morality, they are perfect.
As for lack of virtue, lack of virtue is worthless in the face of making money.
4
How profitable are student loans?
Or, how much money does consumer finance or consumer instalment make?
You