Compared with "campus loans", credit cards seem to be a better choice. They can not only meet the needs of college students for early consumption, but also do not have high interest rates.

However, it is understood that if college students want to apply for a credit card, they must first be over 18 years old and need to provide their personal ID card and proof of work income. If there is no income from work, then close relatives and family members are required to provide guarantees. The close relatives and family members need to provide their own sources of income and prove their kinship with the applicant.

As for the credit card limit for successfully applied college students, it will vary from person to person. The staff will review it based on the information provided by the applicant, which is generally around 3,000 to 10,000.

For college students who have no source of income, early consumption is a "private" behavior. If they need to report to their parents, whether they will be scolded is a hurdle, coupled with strict review procedures , almost prohibitive.

"Society criticizes our bank for not providing adequate credit services to college students. If they can't find a place to get a loan, they turn to the Internet or social loan sharks." Guo Shuqing emphasized that commercial banks should study how to "open the front door." , to provide adequate financial services to universities and college students.

In addition to "opening the door", how to let college students correctly understand "campus loans" is also a current difficulty.

In this regard, in terms of strengthening the educational guidance for college students, the China Banking Regulatory Commission also responded to the China News Service’s National Direct Train:

First, by integrating consumption concept education into colorful In campus culture and various theme education, we correct students' misconceptions such as advanced consumption, excessive consumption and herd consumption, and educate and guide students to establish a civilized, rational and scientific view of consumption.

The second is to strengthen the publicity, reporting and educational guidance of non-performing online loans on campus, and invite professionals from financial institutions, regulatory agencies, network security and other departments to popularize financial credit knowledge to students in the form of reports, lectures, forums, etc. , enhance students’ risk prevention awareness and self-protection awareness, and stay away from bad online loan behaviors.