My online loan has been overdue for 3 years, and now I am waiting for a court summons every day. There are many young people like this! 1. The double-edged sword of convenience

1. Convenient and fast Internet era

The 21st century is an Internet age, which makes people’s lives more and more convenient. Even now Two people half a world apart can communicate in real time, and there will almost never be the situation in the past where they could not see each other all year round because they were too far apart.

The Internet age not only facilitates people's communication and communication, but also reflects it in the matter of borrowing money.

In the past, if a person borrowed money, in addition to trusting his relatives and friends, if he borrowed money from others, he would have to ask his grandfather to sue his grandma, and put his dignity in the dust.

Now, in addition to borrowing money from your relatives and friends, you can also find various online platforms. Not only are the channels very convenient, but the lending speed is also super fast, whether you have credit or lack credit. Find a loan platform.

This change in the way of lending has its advantages and disadvantages. For example, those who suddenly cannot turn around their business funds may be able to quickly realize their capital turnover due to the convenience of online loans, allowing their Business comes back to life.

2. Negative impact

The convenience of this kind of loan also has a great negative impact, such as the lack of effective assessment of the lender’s credit, resulting in the inability to recover many loans. .

Another example is that because there are too many loan platforms and the market is too chaotic, many lenders have been deceived. In particular, many criminals use loan platforms to give us the appearance of usurious loans, and provide naked loans or identity loans. Many young people lack Judgmental people fall for scams, especially among the college student population.

There are too many loan platforms and the lending threshold is too low, which makes many young people more likely to over-consume, consume in advance, and borrow too much online because they are brainwashed by consumerism or lack the ability to think rationally. He had no ability to repay, and finally committed suicide due to bankrupt credit. 2. Typical Case "Naked Loan"

The following is a very classic case.

1. College students who pursue fashion and trendiness

Little A is a junior girl with an average family background. The monthly living allowance given by her parents is about 1,300 yuan, which is only enough to live in school. Necessary food, clothing, housing and transportation.

Little A is a girl who pursues fashion. She works a regular part-time job every month in order to buy new clothes and new shoes. Although her life is hard, it is very fulfilling. Little A feels that she has lived a good life. Colorful.

In the second semester of my junior year, Apple’s latest model had just been launched. Little A was a loyal Apple user. Almost every year when a new Apple mobile phone came out, she was one of the first ones to buy it. .

Little A is very excited about Apple’s new mobile phone, but her pocket money is obviously not enough, and her part-time income last month has been used to buy several new sets of clothes and new shoes, so Not much left.

2. Get a loan to buy the latest Apple mobile phone

When Little A was worried about money, she saw a loan advertisement in the part-time group she was in. The other party said that the loan was issued quickly and The monthly interest rate is very low.

Little A thought about it, since he insisted on working part-time every month, and the loan amount was not large, there would be no problem in repaying it, so he took out a loan through this platform.

3. Naked campus loan = loan sharking

Unexpectedly, it was only on the repayment day next month that Little A discovered that the repayment amount he thought was only half of the amount he should repay. , Little A was cheated!

The way the loan platform calculates interest is the same as the way loan sharks calculate it!

Little A is an inexperienced college student. She doesn’t know what to do when faced with this situation. She doesn’t dare to tell her teachers and friends, let alone her parents. She can only cry secretly alone. .

Just like this, a few months later, with interest compounded, the money owed by Little A has reached as high as 160,000!

Little A receives text messages from the other party urging payment every day. The threatening content of the text messages becomes more and more obvious. The other party threatens to send text messages to harass Little A’s family and teachers if she does not repay the money in time.

Because at the beginning of the loan, Xiao A not only sent all his address book information to the platform, but also left a nude photo of himself holding his ID card.

4. Forced to commit suicide

160,000 is a huge sum of money for Little A, and it is also a huge amount of money for her parents. Little A never dares to tell The parents themselves owed so much money.

Little A finally suffered a mental breakdown and thought of suicide. She secretly cut her wrist with a knife in the dormitory bathroom one night.

Fortunately, when a roommate got up to go to the bathroom in the middle of the night, she discovered blood flowing from the bathroom. She panicked and called the dormitory administrator.

The bathroom door was forced open, and Little A, who was unconscious, was sent to the hospital for rescue.

Fortunately, little A was saved by timely rescue, and she also cried and confessed everything amidst her parents’ worried concerns and inquiries.

5. The police took action

After listening to their daughter’s cry, Little A’s parents immediately called the police after realizing that their daughter had been deceived by a loan shark.

Based on the clues provided by Little A, the police finally successfully cracked a vicious loan case specifically targeting college students.

At the same time, the lawyer also told Little A that because loan sharking is not protected by law, Little A does not have to repay the huge sum of 160,000 owed for the loan. 3. Conclusion

There are many young people like Little A. They are either unfortunately targeted by loan sharks, or they misjudge their repayment ability and borrow too much money.

Young people, especially college students, are not deeply involved in the world and lack social experience. It is easy for them to take out loans for consumption due to vanity, and eventually fall into a loan trap and cannot extricate themselves.

We hope that young people can maintain a calm and rational attitude in the face of consumerism, do what they can to avoid excessive borrowing, and understand that all excessive consumption will come at the expense of a lower quality of life in the future, and the gains outweigh the losses.

If you have anything else you would like to add, please leave a message in the comment area below.