Campus loan has four characteristics: first, borrowers are basically college students, lacking the risk awareness of campus loan; Second, the loan amount was not high at first, but it quickly doubled, making borrowers overwhelmed; Third, abnormal means are often used to force repayment, such as nude photos exposure and telephone threats; Fourth, when students are unable to repay, they often look for parents and relatives to repay.
However, there are also regular campus loans at present, and the Agricultural Bank of China has micro-consumer loans for college students, which refers to self-help micro-credit consumer loans issued by the Agricultural Bank to full-time undergraduates, junior college students (including vocational college students), graduate students and students studying for a second bachelor's degree to meet their reasonable consumption needs during their school days in the form of pre-credit. Also known as "Agricultural Bank of China Campus Loan".
Application process of college students' small consumption loan (campus loan of Agricultural Bank of China): Applicants should provide valid identity documents, copies of student ID cards and other materials required by Agricultural Bank of China. Investigators witnessed the applicant's signature on the information collection form for confirmation. After that, the bank verifies the information in batches and conducts pre-credit. For college students who are included in the pre-loan database, they can apply for loans through our online banking and bank handling channels according to the "online loan" process. After automatic investigation, automatic verification of the quota and interest rate, and automatic approval, they will conduct self-service signing, credit use, repayment and other operations.
The borrower of college students' small consumption loan (Agricultural Bank Campus Loan) shall meet the following conditions:
1. At least 18 years old, with China nationality and full capacity for civil conduct.
2. Hold legal and valid identity documents and valid student documents.
3. When handling the loan, you must be an electronic banking customer of our bank and hold the security authentication tools issued by our bank.
4. The credit record meets the "online loan" standard.
5. The credit score meets the access requirements.
6. The loan purpose is reasonable, compliant and clear. Under any of the following circumstances, the borrower shall not be granted a pre-credit line: 1. The borrower seriously violates laws, disciplines or school rules.
7. Excessive consumption or other improper lending behavior.
Small consumer loans for college students (campus loans of Agricultural Bank of China) are used for reasonable consumption purposes such as college students' consumption, training and student assistance. It shall not be used for house purchase, securities, futures investment or other purposes prohibited by laws and regulations. Please consult your local Agricultural Bank for details.