Some of the booming consumer loans are trapped in high inter

Simply provide a student ID card and an ID card to quickly have a high-end mobile phone or laptop with zero down payment. Although the threshold is low, the consequences of default are very serious – an additional 1% late payment of the total arrears is paid for each overdue day. After 30 days, not only will you be charged a late fee of 30% of the total arrears, but you will also be charged a 2% penalty per day. This neglected trap has overwhelmed many college students. There is a saying that "a slap in the face does not sound", some college students are obsessed with advanced consumption, and are keen to use consumer loans. Where is the problem? Is the student too simple, or is the business too calculated? Should the university stand by and watch the relevant departments? How to play a supervisory role? Before students consume, think about their parents' wallets as a group of new and exciting people. There are many things that college students can do through online loans, such as buying mobile phones, computers, traveling, studying abroad, etc. It satisfied their desire to spend ahead of time. Among them, college students overestimate their ability to earn money and lack of life experience, and also have a bearing on the prosperity of some students. According to media reports, a junior girl bought a new Apple mobile phone through a network installment loan. After a circle in each dormitory, the phrase “she is a local tyrant” spread throughout the circle of friends. This kind of advanced consumption behavior is obviously with the pursuit of fashion and personal display. Studies have shown that college students' consumption has a "same group effect", that is, their consumption behavior and level are affected by the surrounding students, especially roommates. The problem is that in the absence of the family, the family's economic situation is different, and the living expenses of the parents are also different, in order to forcefully integrate into a certain circle, or to prove that they have money, they will use the network to compare and use the network. Instalment loans to buy some luxury goods, although face-lifting, may fall into the trap as reported in the news, bringing financial difficulties to themselves and their families, causing the road to school to be overshadowed. In recent years, with the development of the economy, the level of residents has generally improved, and the consumption situation of college students has shifted from the past to the form of communication and development, and the consumption patterns have become more. But people who have a little life and economic knowledge know that spending should be a prerequisite. In fact, formal business organizations often limit the borrowing behavior of college students. The general loan is closed to college students. Only student loans and start-up loans are reviewed for lending if they have relevant certification. It is often difficult for college students to apply for a bank credit card because they do not meet the requirements of “having a stable occupation, stability, and ability to repay the principal and interest of the loan on time”. As a consumer group lacking the source, college students must first touch their wallets, especially their parents' wallets, before they consume. It is indeed tempting for colleges and universities to make loans for college students. However, there is no free lunch in the world, and high liquidated damages often make students overwhelmed. If the student fails to repay the loan on time, he will “transfer the debt” and the parents will pay the bill. As the merchants say, for college students, completing their studies is the first. "No matter what, when you go to school, students can't stand it, and parents will panic." Therefore, as long as the students are at school, it is not difficult to ask for money from the students. Regrettably, on a relatively closed university campus, many students do not understand what it means to sign a contract, and cannot accurately judge the pros and cons of the contract. Some students have too much vanity, knowing the risks of existence but can't control themselves, thinking that it is reasonable for parents to pay for themselves. What's more, after losing money, I don't go to self-reflection, but instead act as an agent to make a fuss to make up for my losses. So, what fuels the pre-emptive consumption of college campuses? Students' personal ideas, improper parental discipline, and lack of school education are all responsible. For a long time, due to the influence of traditional concepts, financial education for parents and schools has often been ignored. Many students lack the correct concept of wealth. The oversight of such events by some colleges and universities, and even the dismissal of them, have also contributed to the irrational consumption of some students. Some college students have deviations in their consumption outlook, and there are excessive debts and multiple debts, which pose new challenges for the management of current universities. The work to be done today is to pay for the lack of education in yesterday, and it is actually "to make up for the dead." Colleges and universities must face up to the new changes in students' ideological behaviors in the new era, update educational concepts and teaching models in a timely manner, focus on strengthening the rule of law education, conduct financial and business education in a timely manner, educate and guide students to identify and avoid contract fraud traps, and establish a correct view of wealth and consumption. College counselors are active in the front line of campus work. They are the most exposed and closely related group of teachers. In particular, they must establish a sense of innovation, recognize the negative impacts of advanced consumption, innovate working methods, and give students scientific guidance. College students' understanding of many new things is inevitable. There are some misunderstandings in the concept of consumption. Counselors should be guided by the situation, follow the guidance and encouragement, and actively educate them to fully understand the shortcomings of advanced consumption and luxury consumption, and establish a healthy and rational consumption concept. It is necessary to strictly control the commercial online loan for college students. The online loan company will reach into the campus and it is a normal business activity. However, college students who have just obtained the "rights of independent spending" have full civil liability in law, but most of them do not have rational financial management awareness and awareness of saving consumption. Therefore, if the amount of funds in hand is too high, or there is an opportunity to consume in advance, it is almost inevitable that irrational consumption behavior will occur. It is impossible for online lending companies not to know this. In fact, they are taking advantage of this and know that parents will eventually pay for it. They do not trust the students' spending power, but trust the parents' feelings towards the students; online loans are not unsecured, but the students themselves are "collateralized." Such business activities are formally regarded as legitimate business activities, but their essence is to use the natural defects of related objects to achieve their goals. This kind of commercial behavior that exploits the natural defects of behavioral objects to extract benefits is worthy of criticism on the moral level. Business principles are of course "willing to fight," but they also have moral constraints. College studentThe main task is to learn, and the college students who study at school are only adults in the legal sense, but still "student" who cannot be completely self-responsible, because he does not survive independently, but mainly depends on the supply of parents. Set the corresponding traps and extend your hand to this part of the person. Naturally, you should face moral questioning. The loan-to-deposit consumption of online loan companies and the overdraft credit cards that some banks have vigorously promoted to college students have enabled students to obtain “financial rights” that are not controlled by parents, which inevitably stimulates the extra consumption of students and makes parents irrational consumption of children. Increased the burden. Nowadays, there are not a few students who are "selling food". When they start school, many students will pay the living expenses of their families to pay off the debts owed during the last semester. And some college students who are caught in the trap of installment payment, they are suffering and stimulating, it is by no means a "spent money to buy lessons" can be resolved. It is of course important to develop students' various social survival knowledge skills, but they cannot hope for the business behavior of individual online loan companies. Schools and families can provide reminders through appropriate forms to enhance students' awareness of consumption risks and improve related abilities. For financial institutions to set de facto consumption traps for students, the relevant departments should strictly supervise and restrict the behavior of selling installment products among students. For example, a certain amount must be agreed by the parents of the students. This is not to limit the rights of students, nor to put them in the greenhouse to grow, but to protect their legitimate interests while allowing them to grow and mature healthily.