| In June 2007,China’s first online goods platform Paipaidai was announced.Since then,various forms of Internet loan platforms have rapidly increased.Internet loans are quickly accepted by the public with their advantages of speed and convenience.College students are quick and full of vitality.They have new ideas,new concepts,and strong accepting ability.Compared with the previous generation,they have a different consumption outlook.Internet loans are quickly accepted by college students.The Internet loan business(commonly known as "Campus Internet Loan ")targeted at college students has opened up an amazing path of growth.It is undeniable that the Campus Internet Loans can help students meet their urgent needs to a certain extent,but the various problems that this brings are more worthy of our thoughts.Incidents of students falling into bad campus online loans abound,and even lead to human tragedies such as student suicide,prostitution,and mental illness.These tragic events touched people’s attention and pushed campus online loans to the forefront.The China Banking and Insurance Regulatory Commission has continuously issued documents to regulate the campus online loan industry,and has made initial achievements in the management of illegal campus online goods institutions.However,bad campus online loans have gradually evolved into forms of campus "training loans" and campus " routine loans " for survival.Non-online lending institutions We Chat or QQ have become tools for privately developing campus loan business,and the opportunity has become more concealed and difficult.To control the chaos caused by campus online loans,the "one size fits all" simple and crude method that is absolutely forbidden should not be adopted.The pros and cons of things should be viewed dialectically,and the positive value of campus online loans should be positively evaluated.Various measures must be taken,to avoid negative hazards. |
