校園網(wǎng)貸英文作文（精選10篇）

　　在日常學習、工作和生活中，大家都嘗試過寫作文吧，借助作文人們可以實現(xiàn)文化交流的目的。還是對作文一籌莫展嗎？下面是小編收集整理的校園網(wǎng)貸英文作文，僅供參考，歡迎大家閱讀。

　　校園網(wǎng)貸英文作文 1

　　Emerging from the picture is a funny but enlightening scene that a college student is falling into the trap of campus network lending. The public is astonished by the uncomfortable truth revealed by this cartoon. Simple as the picture is, the author intends to convey much more complicated and profound meaning than what we may sense at the first glance.

　　The author sends us a clear message via this drawing that campus network lending has become a kind of new financial fraud, which has severely damaged students’ economic interests and caused their property losses. China has experienced an increase in online fraud, particularly in the field of campus network lending, in the past one year, a report published by online security company. Reasons behind this phenomenon may be as follows. In the first place, in our country, with the progress of internet technology, it provides a plenty of opportunities for some companies to do business on campus, the goood firm as well as the bad one. Secondly, All men are vanity, some students can’t resist temptation of vanity to pursuit luxury consumption, which is often more than they can afford. When they can’t afford them, they constantly ask network lending platform for help, then they fall into the trap of campus network lending unconsciously.

　　Situation being so serious, it is high time that certain measures of efficiency were taken to tackle the problem. For one thing, our government should strengthen supervision and guidance on the development network lending. For another thing, the college students should cultivate rational consumption awareness. Only in a rational and healthy atmosphere can we enjoy the benefits of Internet to the uttermost.

　　畫面中出現(xiàn)了一個有趣但富有啟發(fā)性的場景，一名大學生正落入校園網(wǎng)借貸的陷阱。公眾對這幅漫畫揭示的令人不安的真相感到驚訝。盡管圖片很簡單，但作者想要傳達比我們第一眼所能感覺到的更復雜、更深刻的含義。

　　作者通過這幅圖向我們傳遞了一個明確的信息：校園網(wǎng)絡借貸已經(jīng)成為一種新型的.金融詐騙，嚴重損害了學生的經(jīng)濟利益，造成了學生的財產(chǎn)損失。網(wǎng)絡安全公司發(fā)布的一份報告顯示，在過去一年中，中國的網(wǎng)絡欺詐行為有所增加，尤其是在校園網(wǎng)絡借貸領域。這種現(xiàn)象背后的原因可能如下。首先，在我國，隨著互聯(lián)網(wǎng)技術的進步，它為一些公司在校園里做生意提供了大量的機會，好的公司和壞的公司都有。其次，所有的男人都是虛榮的，有些學生無法抗拒虛榮的誘惑，追求奢侈消費，而奢侈消費往往超出了他們的承受能力。當他們負擔不起時，他們不斷向網(wǎng)絡借貸平臺尋求幫助，然后不知不覺地陷入了校園網(wǎng)絡借貸的陷阱。

　　形勢如此嚴峻，現(xiàn)在是采取某些有效措施來解決這個問題的時候了。一方面，我國政府應加強對發(fā)展網(wǎng)絡借貸的監(jiān)督和指導。另一方面，大學生應培養(yǎng)理性消費意識。只有在理性和健康的氛圍中，我們才能最大限度地享受互聯(lián)網(wǎng)的好處。

　　校園網(wǎng)貸英文作文 2

　　Ever since colleges started to charge the students for the education they receive, there has always been a problem for some students, especially for those from remote rural regions, to get the money for it. So the government offers them an option of borrowing money from banks. Surveys show that the number of students financing his education in this way is increasing.

　　However, some students, although not many, failed to pay back the loans as they had promised in the contract. The banks have a very hard time coping with this problem. And the government can do nothing effective to help the banks.

　　I think there is more than one reason for this. Dishonesty may be one but not the major one. As is known, we are experiencing a particular phase of economic development where the supply of human resources is much bigger than the demand for it. So many students are not able to find a well-paid job. How can they pay the loans back? To solve this problem, I think the government should make efforts to get the whole economy go smoothly, creating more job opportunities.

　　自從大學開始向學生收取所受教育的費用以來，一些學生，尤其是來自偏遠農村地區(qū)的學生，一直難以獲得這筆錢。因此，政府為他們提供了從銀行借款的選擇。調查顯示，以這種方式資助他的教育的學生人數(shù)正在增加。

　　然而，一些學生（雖然不多）未能按照合同中的`承諾償還貸款。銀行很難解決這個問題。而政府在幫助銀行方面也無能為力。

　　我認為原因不止一個。不誠實可能是其中之一，但不是主要原因。眾所周知，我們正經(jīng)歷著一個特殊的經(jīng)濟發(fā)展階段，人力資源的供應遠遠大于需求。許多學生找不到高薪工作。他們如何償還貸款？為了解決這個問題，我認為政府應該努力讓整個經(jīng)濟順利發(fā)展，創(chuàng)造更多的就業(yè)機會。

　　校園網(wǎng)貸英文作文 3

　　"Campus loan" is one of the fastest growing products of Internet finance in recent years. With the successive opening of schools in various universities, some P2P online lending platforms have increased their efforts in campus business. Some non-performing online lending platforms use false advertising and lower loan thresholds to induce students to consume excessively, consume ahead of schedule, and even take on high interest loans.

　　Firstly, a detailed explanation of the origin of campus loans was provided to enhance students understanding of campus loans. Multiple examples of campus loan fraud were given, emphasizing the risks of campus loans such as opaque rates, excessively high credit limits, lax risk control, and barbaric collection methods. Behind the convenience and low threshold, the problems of campus loans are becoming increasingly prominent, and extreme cases are being used to remind students of the risks. He repeatedly reminded students to have a sense of self-protection. Next, we explained the types of campus loans and learned about the importance, effectiveness, and experience that schools attach to campus loan safety.

　　Finally, Secretary Zhang Lei advocates that students should develop good living habits in college, establish correct consumption concepts, consume reasonably, and achieve frugality to cultivate morality.

　　“校園貸”是近年來互聯(lián)網(wǎng)金融發(fā)展最迅猛的產(chǎn)品之一。隨著各高校相繼開學，一些P2P網(wǎng)絡借貸平臺加大校園業(yè)務力度。部分不良網(wǎng)貸平臺通過虛假宣傳的方式和降低貸款門檻等手段，誘導學生過度消費、超前消費甚至為此背上高利貸。

　　首先詳細的講解了校園貸的由來，提高學生們對校園貸的認識，并舉出了有關校園貸受騙的多個實例，強調了校園貸的風險：費率不透明、授信額度過高、風控不嚴、催收方式野蠻等，在便捷、低門檻背后，校園貸款存在的'問題，正日漸凸顯，且開始以極端個例提醒風險所在。他反復提醒學生們一定要有自我防范意識。接著，為我們解釋了校園貸的類型，以及了解到了學校對于校園貸安全的重視、成效及體會等。

　　最后，張雷書記倡導同學們在大學要養(yǎng)成良好的生活習慣，樹立正確的消費觀念，合理消費，做到儉以養(yǎng)德。

　　校園網(wǎng)貸英文作文 4

　　Campus online loans not only affect the normal academic performance of college students, but also burden some families with heavy debts. Under the banner of "Internet plus finance", but engaged in "usury" activities, online loans, driven by interests, extend the "evil hand" to vulnerable college students. In some universities, advertisements for online loans are ubiquitous. Online loan advertising amplifies its explicit positive function while avoiding its implicit negative function.

　　In todays university campuses, there is not a lack of security education to prevent telecommunications fraud and campus network loans, but there are still some students who are deceived. Why? The lack of financial intelligence education makes it difficult for some college students to resist temptation and desire, ultimately leading them to fall on the ship of thieves. Financial management, as a game between people and capital, is full of uncertain factors and risks. The human and social capital possessed by college students themselves are relatively scarce, and they are in a disadvantaged position in the interest game pattern, lacking the ability to prevent risks; If you recklessly and foolishly fall into the "campus online loan", it is inevitable that you will "lose everything" due to one mistake. Enriching college students financial knowledge and enhancing their financial management abilities can help solve the problem of "campus online loans".

　　"To prevent the risk of campus online loans while meeting the needs of college students to buy by stages, the most important thing is to keep up with the supervision." Deng Jianpeng believes that the future supervision policy should focus on the following aspects: first, it should stipulate that the Internet financial platform must give special risk warnings to college students and advocate the concept of moderate consumption. Secondly, when evaluating credit level and repayment ability, higher audit standards than other populations should be applied.

　　Recently, the Ministry of Education and the China Banking Regulatory Commission jointly issued a notice calling for increased supervision of non-performing online loans, issuing warning messages to students, and establishing a real-time warning mechanism for campus non-performing online loans.

　　Huang Zhen, Director of the Institute of Financial Law at Central University of Finance and Economics, stated that campus online lending platforms must first comply with their models in order to avoid legal risks. If done in the form of P2P, it is necessary to ensure the positioning of its information intermediary in accordance with laws and regulations; If lending is done with its own funds, it must be done by consumer finance companies licensed by regulatory authorities.

　　Secondly, loan platforms should standardize the lending process, conduct appropriate evaluations on college student borrowers, and comprehensively consider their risk tolerance and repayment ability.

　　Finally, from an industry perspective, it is necessary to establish a risk assessment and monitoring system for the entire industry.

　　“校園網(wǎng)貸”不僅影響大學生正常的學業(yè)，也讓一些家庭背負沉重的債務。打著“互聯(lián)網(wǎng)+金融”的旗號、卻干著“高利貸”勾當?shù)木W(wǎng)絡貸款，在利益的驅動下，將“罪惡之手”伸向脆弱的大學生。在一些高校里，網(wǎng)絡貸款的廣告可謂無孔不入。網(wǎng)絡貸款廣告放大了其顯性的正功能、卻回避了其隱性的負功能。

　　在當下的大學校園里，并不缺乏預防電信詐騙和“校園網(wǎng)貸”的安全教育，卻依然有一些學生上當受騙，為何？財商教育的缺失，讓一些大學生難以抵御誘惑和欲望，最終“上了賊船”。理財作為一種人與資本的'博弈游戲，充滿不確定因素和風險。大學生擁有的人力資本和社會資本本身就比較匱乏，在利益博弈格局中處于弱勢地位，缺乏風險防范能力；如果輕率、糊涂地陷入“校園網(wǎng)貸”，難免會“一著不慎，滿盤皆輸”。豐富大學生的金融知識、提升他們的理財能力，有助于“校園網(wǎng)貸”的破題。

　　“防范校園網(wǎng)貸的風險又同時能滿足大學生分期購的需求，最重要的是監(jiān)管要跟上�！编嚱�鵬認為，未來的監(jiān)管政策應在以下方面著力：首先要規(guī)定互聯(lián)網(wǎng)金融平臺一定要對大學生做特別的風險提示，倡導適度消費的理念。其次，在評估信用水平和償還能力時，要適用高于其他人群的審核標準。

　　近日，教育部和銀監(jiān)會聯(lián)合發(fā)布通知，要求加大不良網(wǎng)絡信貸監(jiān)管力度，向學生發(fā)布預警提示信息，同時建立校園不良網(wǎng)絡借貸實時預警機制等。

　　中央財經(jīng)大學金融法研究所所長黃震表示，校園網(wǎng)貸平臺首先要模式合規(guī)，才能避免法律風險。如果是以P2P的形式來做，就要按法律法規(guī)所規(guī)定的，確保其信息中介的定位；如果是以自有資金放貸，就必須由監(jiān)管部門頒發(fā)牌照的消費金融公司來做。

　　其次，貸款平臺應規(guī)范借貸流程，對大學生借款人進行適當?shù)臏y評，綜合考慮其風險承受能力、還款能力等。

　　最后，從行業(yè)角度來說，要建立起全行業(yè)的風險測評體系和監(jiān)控體系。

　　校園網(wǎng)貸英文作文 5

　　In the current school campus, there is no lack of security education to prevent telecommunications fraud and campus online loans, but there are still some students who are deceived. Why? The lack of financial intelligence education makes it difficult for some students to resist temptation and desire, ultimately leading them to fall on the ship of thieves. Financial management, as a game between people and capital, is full of uncertain factors and risks. The human and social capital possessed by students themselves are relatively scarce, and they are in a disadvantaged position in the interest game pattern, lacking the ability to prevent risks; If you recklessly and foolishly fall into the "campus online loan", it is inevitable that you will "lose everything" due to one mistake. Enriching students financial knowledge and enhancing their financial management abilities can help solve the problem of "campus online loans".

　　Campus online loans not only affect students normal academic performance, but also burden some families with heavy debts. Driven by interests, they extend the "evil hand" to vulnerable students. In some universities, advertisements for online loans are ubiquitous. Online loan advertisements display their explicit positive functions, but avoid their implicit negative functions.

　　In recent years, the Internet lending platform has targeted student groups and gradually infiltrated into the campus in the form of loan platform, campus installment shopping platform and e-commerce platform installment payment. The quiet ivory tower has become the site of the online lending platform.

　　Students have limited social experience, so it is important to protect themselves and be vigilant when encountering potential loan traps.

　　Online lending is invading campuses, with "zero interest rates, zero guarantees, and no service fees". With tempting announcements and a "network+agency" model, online lending is rapidly spreading among student groups. And incidents of students falling into "online loan fraud" are also constantly emerging.

　　Previously, there were media reports that a student from Minnan University of Science and Technology at Fujian Normal University borrowed over 700000 yuan from the information network of more than ten classmates, but disappeared without a trace; Classmates keep receiving payment reminders, which seriously affects their learning and daily life. In addition, many students fall into the trap of online loans while working part-time, being deceived by so-called agents, salespeople, etc. to fill out online loan information. In the end, not only do they lose money, but they also carry the credit stain of borrowing.

　　Students have limited social experience and have not yet formed an economic income, so it is even more important to protect themselves and be vigilant when encountering potential borrowing traps. Protect personal identity information and act within ones capacity for installment shopping. Be cautious in acting as a guarantor in any situation, otherwise you will have to bear joint and several liability for the loan.

　　在當下的學校園里，并不缺乏預防電信詐騙和“校園網(wǎng)貸”的安全教育，卻依然有一些學生上當受騙，為何？財商教育的缺失，讓一些學生難以抵御誘惑和欲望，最終“上了賊船”。理財作為一種人與資本的博弈游戲，充滿不確定因素和風險。學生擁有的人力資本和社會資本本身就比較匱乏，在利益博弈格局中處于弱勢地位，缺乏風險防范能力；如果輕率、糊涂地陷入“校園網(wǎng)貸”，難免會“一著不慎，滿盤皆輸”。豐富學生的金融知識、提升他們的理財能力，有助于“校園網(wǎng)貸”的破題。

　　“校園網(wǎng)貸”不僅影響學生正常的學業(yè)，也讓一些家庭背負沉重的債務，在利益的驅動下，將“罪惡之手”伸向脆弱的'學生。在一些高校里，網(wǎng)絡貸款的廣告可謂無孔不入。網(wǎng)絡貸款廣告放了其顯性的正功能、卻回避了其隱性的負功能。

　　近年來，互聯(lián)網(wǎng)借貸平臺瞄準了學生群體，以貸款平臺、校園分期購物平臺和電商平臺的分期付款等形式慢慢滲入校園，寧靜的象牙塔成為網(wǎng)絡借貸平臺爭奪的地盤。

　　學生社會閱歷較少，因此千萬要保護好自己，遇到可能的借貸陷阱，要提高警惕。

　　網(wǎng)貸正入侵校園，“0利率、0擔保、無服務費”，借助誘人的公告和“網(wǎng)絡+代理”的模式，網(wǎng)貸正在學生群體中飛速蔓延。而學生陷入“網(wǎng)貸詐騙”的事件也是層出不窮。

　　此前有媒體報道，福建師范學閩南科技學院一名學生，用十多個同學的信息網(wǎng)貸了70多萬元，自己卻消失得無影無蹤；同學們則不停地接到催款通知，嚴重影響學習生活。此外，也有不少學生在兼職時候掉入網(wǎng)貸陷阱，被所謂的代理人、業(yè)務員等誘騙填寫網(wǎng)貸資料，最后不僅錢財落空，自己還背上借貸的信用污點。

　　學生社會閱歷較少，且并沒有形成經(jīng)濟收入，因此更要保護好自己，遇到可能的借貸陷阱，要多一個心眼保持警惕。保護好個人的身份信息，購物分期需量力而行，無論在任何場合之下都要謹慎充當擔保人，否則要承擔貸款連帶責任。

　　校園網(wǎng)貸英文作文 6

　　These past few days, we have attended lectures on the dangers of campus loans, and from this lecture, I feel that I have benefited a lot.

　　With the development of the information age, many online lending platforms have emerged for student assistance and entrepreneurship. But many of these platforms are online scams, and businesses use these platforms to defraud students of their money. Campus loans are among the most developed.

　　Campus loans refer to the behavior of students borrowing money from various lending platforms. Mainly targeted at students from average families with rapidly expanding consumer desires. Entering school, everyone faces different temptations. These students often have a mentality of vanity and comparison. They pursue material life for a fraction of the total, only pursuing temporary pleasure. And for these students, there will be different scams to attract them to take out campus loans. Scammers often take advantage of these students concept of excessive consumption, and when they first enter society, it is difficult to distinguish right from wrong, so they are easily deceived.

　　And students who are deeply affected by campus loans choose suicide because they cannot bear the huge amount of debt, cannot accept being attacked with insulting language every day, and cannot tolerate the strange looks of their relatives and friends around them. Their parents not only have to bear huge debts, but also the pain of sending someone with white hair to someone with black hair. Too many tragedies are unfolding around us, which also shows us the harm of campus loans. Therefore, we need to learn to properly prevent campus loans.

　　Firstly, as students, we should establish a correct consumption concept, not compare ourselves with others, consider the actual situation of our own family, and not excessively pursue material life. Secondly, it is important to understand that there is no free lunch in the world, and no one will treat you well without reason. Therefore, do not be deceived by other peoples sweet words, and do not hold a lucky mentality, thinking that you are lucky. If there are any additional expenses, be sure to discuss them with your family to avoid being deceived. Finally, if you really suffer from campus loans, dont panic too much. You should promptly discuss with parents and counselors and seek their help. If they cannot solve it, they must report it to the police in a timely manner.

　　In addition, we must be vigilant, do not trust others easily, pay attention to protect our personal information, such as ID number, mobile phone verification code, home address, etc., and remember not to tell others these information easily.

　　As the younger generation of our motherland, we must have the ability to distinguish right from wrong, have firm willpower, and learn to resist temptation. We are in our youth and youth, so we must keep our eyes open, hold onto our hearts, and paint a vivid picture of our lives!

　　這兩天，我們聽了有關校園貸危害的講座，從這次講座中，我感覺自己受益頗多。

　　隨著信息時代的發(fā)展，網(wǎng)絡上出現(xiàn)了許多網(wǎng)貸平臺，用于學生助學和創(chuàng)業(yè)。但這些平臺中有許多都是網(wǎng)絡詐騙，商家通過這些平臺騙取學生的錢財。而校園貸就是其中發(fā)展最盛的。

　　校園貸是指在校學生向各類借貸平臺借錢的行為。主要針對一些家庭一般，而消費欲望急速膨脹的學生。進入學，每個人都面臨著不同的誘惑。這些同學往往具有愛慕虛榮，攀比的心理。他們總數(shù)分的追求物質上的生活，只會追求一時的享樂。而針對這些學生，會有不同的騙局來吸引他們進行校園貸。騙子往往看中這些學生超前消費的觀念，而學生初入社會，難以區(qū)分是非黑白，因此容易上當受騙。

　　而深受校園貸危害的同學因為無法承受巨額的欠款，無法接受每天被人以侮辱性的語言攻擊，更無法忍受周圍親朋好友異樣的眼光而選擇了輕生。他們的父母不僅要承受巨額債款，還要承受白發(fā)人送黑發(fā)人的痛苦。太多的悲劇在我們身邊上演，也讓我們看到了校園貸的危害。因此，我們要學會正確防范校園貸。

　　首先，作為一名學生，我們要樹立正確的消費觀，不與他人攀比，要考慮自己家中的實際情況，不要過分追求物質生活。其次，要明白世界上沒有免費的午餐，不會有人無緣無故地對你好，因此，一定不要被他人的花言巧語欺騙，也不要抱著僥幸的心理，覺得自己是幸運的.。如果有額外的開銷、花費一定要與家人商量，避免上當受騙。最后，如果真的遭受了校園貸，也不要太過驚慌，要及時與家長、輔導員商量，尋求他們的助。若他們也無法解決，就一定要及時報警。

　　除此之外，我們一定要有警惕心，不要輕易地相信他人，要注意保護好自己的私人信息，如身份證號，手機驗證碼，家庭住址等，要謹記不能輕易將這些信息告訴他人。

　　身為祖國的年輕一代，我們一定要有明辨是非的能力，要有堅定的意志力，要學會抵制誘惑。我們正值青春年少，一定要擦亮我們的雙眼，堅守內心，為我們的人生畫上濃墨重彩的一筆！

　　校園網(wǎng)貸英文作文 7

　　Previously, people who took out loans were mainly members of society. Nowadays, many university campuses have also seen campus loans, and many students have started to take out loans in advance for consumption.

　　In recent years, the Internet lending platform has targeted college students, and gradually infiltrated into the campus in the form of p2p loan platform, campus installment shopping platform and e-commerce platform installment payment. The quiet ivory tower has become the site for online lending platforms.

　　The harm of campus online loans is extremely great, and it is recommended that college students avoid touching such things as much as possible.

　　Dont think that campus loans are such a good thing. Take someone elses money and enjoy them in advance. In fact, there are still many time traps. After analyzing the actual situation of various fees for campus loans, financial analysts have found that, in contrast to the smooth and unobstructed repayment of campus loans, it is often necessary to peel off a few layers of skin in addition to the principal and interest: in addition to the intermediary fees, handling fees, agency fees, and deposits withheld by some platforms that have already been incurred when borrowing, there are also high penalty interest and management fees after overdue, which are numerous.

　　How much does the actual interest cost for these online loans? Speaking it out may scare many people. Financial analysts randomly selected 10 platforms that have opened campus loan services. Among these 10 platforms, the lowest annual loan interest rate is 9.56%, and the highest can reach 36.75%.

　　Here are the recent tragedies caused by campus online loans:

　　1. In March of this year, a college student from a certain university in Henan Province obtained an unsecured credit loan of 600000 yuan from different financial platforms through personal loans and impersonating other classmates. Eventually, he jumped off a building and committed suicide due to inability to repay the loan.

　　2. The victim of "naked loan", Xiaoli, initially borrowed 500 yuan from the online lending platform Lengbao, but was overwhelmed by a weekly interest rate of up to 30%, with a total debt of 55000 yuan, and was forced to owe "naked loan".

　　If you dont want to be the protagonist of these tragedies, then try not to touch campus loans as much as possible.

　　以前貸款的人，主要是社會人員，現(xiàn)在很多大學校園，也出現(xiàn)了校園貸，很多學生也開始貸款提前消費。

　　近年來，互聯(lián)網(wǎng)借貸平臺瞄準了大學生群體，以p2p貸款平臺、校園分期購物平臺和電商平臺的分期付款等形式慢慢滲入校園，寧靜的象牙塔成為網(wǎng)絡借貸平臺爭奪的地盤。

　　校園網(wǎng)貸的'危害極大，建議大學生盡量不要碰這種東西。

　　不要以為校園貸款多么好的一件事情，拿別人的錢，自己提前享受，事實上，時面的陷阱還是很多的，針對校園貸各項資費的實際情況進行統(tǒng)計分析后，理財分析師發(fā)現(xiàn)，與借款時的通暢無障礙相反，想要順利償還校園貸借款，往往要在本息之外再扒掉幾層皮：除了借款時就已產(chǎn)生的中介費、手續(xù)費、代理費、部分平臺扣留的押金等，還包括逾期后高昂的罰息和管理費，名目繁多。

　　這些網(wǎng)貸的真實利息需要多少錢呢？說出來可能會嚇到很多人，理財分析師隨機選取了10個開通校園貸業(yè)務的平臺，在這10家平臺中，借款年利率最低為9.56%，最高則可達36.75%。

　　下面就是近期因為校園網(wǎng)貸造成的悲�。�

　　1、今年3月，河南某高校的一名大學生，通過本人貸款和冒用其他同學身份貸款的方式，從不同的金融平臺獲得60萬元無抵押信用貸款，最終因無力償還而跳樓自殺。

　　2、“裸條貸”的受害者小麗，最初只是在網(wǎng)絡借貸平臺借貸寶上借了500元，但在高達30%的周利息面前不堪重負，總欠款達5.5萬元，被迫欠下了“裸條貸”。

　　如果你不想成為這些悲劇的主角，那就盡可能不要碰校園貸。

　　校園網(wǎng)貸英文作文 8

　　College students are a special vulnerable consumer group, with a large and concentrated population. The consumption concept of college students is advanced, and their consumption expenditures are diverse and endless. They are a group that only consumes without income, has weak awareness of financial risk prevention, poor self-control ability, and lacks credit evaluation.

　　With the spread of campus online lending platforms for college students across the country, various platforms use false slogans such as "borrowing money without fear of pitfalls, repayment without worries" and "zero threshold, no collateral" to lure college students into overdraft credit and blind consumption. Some students invest their tuition fees or large amounts of cash borrowed into online lending platforms to earn interest spreads. Some students even act as promoters, misleading more students into falling into online lending and overdraft consumption, resulting in several students being forced to drop out of school to avoid debt due to sudden website closures or huge debts due to inability to collect loans, and their families having to sell houses.

　　The serious consequences of college student campus network loan repayment.

　　1. Educate students to enhance their awareness of safety precautions, establish a rational consumption concept, consciously stay away from online lending behavior, and avoid blind consumption risks.

　　2. Remind students to attach great importance to the confidentiality of personal identity information, and to be cautious of the use of identity information by illegal elements and the occurrence of online lending behavior without their knowledge.

　　3. In order to fully understand the participation of our schools students in online lending, students who have borrowed or invested on online lending platforms should proactively report to the college, not conceal it, and immediately terminate this behavior to prevent risks and ensure safety.

　　College students are gradually becoming the focus of social discussion due to the troubles of campus online loan debts. Campus online loans are also like invisible "black hands", causing harm to many students and even leading to tragedy. Campus online loans target college students with strong consumption needs, and some companies fabricate censorship systems, condone illegal means, crazily seize campuses to earn profits, but make innocent students burdened with debt. Campus online lending is not honey, its really arsenic. Just stay away from it.

　　大學生是一個特殊的弱勢消費群體，數(shù)量龐大而集中。大學生群體消費觀念超前，消費支出五花八門、層出不窮，他們是一個只消費卻沒有收入、金融風險防范意識薄弱、自控能力較差和缺少信用評價的群體。

　　隨著大學生校園網(wǎng)貸平臺在全國高校校園內蔓延擴散，各平臺以“借錢不怕坑，還款不用愁”、“零門檻，無抵押”等虛假口號誘騙在校大學生透支信用、盲目消費。部分同學為賺取利息差價，將學費或通過借貸的大額現(xiàn)金投入網(wǎng)絡借貸平臺中。部分學生甚至充當宣傳員，誤導更多的同學陷入網(wǎng)絡借貸、透支消費，導致數(shù)名同學或因網(wǎng)站突然關閉血本無歸、或因收不回貸款欠下巨額債務而被迫輟學躲債，家人只得賣房。

　　大學生校園網(wǎng)貸償債的`嚴重后果。

　　1、教育學生提高安全防范意識，樹立理性消費觀念，自覺遠離網(wǎng)絡借貸行為，規(guī)避盲目消費風險。

　　2、提醒學生高度重視個人身份信息保密，謹防身份信息被不法分子利用，在不知情的情況下發(fā)生網(wǎng)絡借貸行為。

　　3、為全面掌握我校學生參與網(wǎng)絡借貸情況，凡已在網(wǎng)絡借貸平臺借款或“投資”的同學，應主動向學院報告，不得隱瞞，并須立即終止該項行為，防范風險，確保安全。

　　大學生因受校園網(wǎng)貸債務的困擾，逐漸成為社會熱議的焦點，校園網(wǎng)貸也像只無形的“黑手”，給諸多莘莘學子帶來傷害，甚至釀成悲劇，校園網(wǎng)貸瞄準的是有強烈消費需求的在校大學生，一些企業(yè)虛構設審查制度、縱容違規(guī)手段、瘋狂搶灘校園、從而賺取利潤、卻讓無辜學子負債累累。校園網(wǎng)貸不是蜜糖，真的是砒霜，遠離真的就對了。

　　校園網(wǎng)貸英文作文 9

　　Have you seen the following advertisement? "A loan tool for college students who purchase a mobile phone first and pay later", "0 guarantee, 0 down payment, and can easily obtain a loan with just a student ID and ID card.". Have you ever been tempted by the various temptations of campus online lending platforms? Dear classmates, do you really understand campus online lending?

　　Nowadays, it is common for college students to purchase mobile phones, computers, and other items through campus lending platforms, and it is not uncommon for students to apply for loans on campus lending platforms without considering the consequences. Reasonable credit business can alleviate the pressure of life and economy. Once the loan exceeds ones repayment ability or falls into the trap of fraud, the consequences will be unimaginable!

　　Case 1: A student from a university in Changsha was scammed into using a loan to purchase a mobile phone

　　Several students from a certain university in Changsha were deceived. These deceived students took out loans to purchase mobile phones, each with varying market prices. After completing the loan purchase procedures, they did not receive their phones but carried a large amount of debt, totaling tens of thousands of yuan.

　　Case 2: Please ask other students to help apply for online loans to help with Du cells and lose everything

　　A college student in Hangzhou lied that his family was rich, and he was also a rich man in the eyes of his classmates. After obtaining the trust of other students, he cheated his classmates to help him borrow money from the Internet financial platform on the ground that he proved his ability to his family but lacked funds by doing business. After getting the money, he used it for gambling, and eventually lost all his money. It is reported that more than 40 students have been deceived, with loans up to hundreds of thousands of yuan. Eventually, due to being unable to repay debts, they jumped off a building in Qingdao, Shandong and committed suicide.

　　Case Three: College Students Buying Mobile Phones with a Loan of 30000 RMB Becomes a Debt of 700000 RMB

　　A student from a certain university applied for campus online loans last year to purchase high-end mobile phones and other expenses. Subsequently, after robbing Peter to pay Paul and constantly seeking loans from other loan companies to repay debts, he ultimately owed several companies a total of over 700000 yuan in debt, while the original amount was only 30000 yuan.

　　Experts analyze that there are many risks associated with campus non-performing online loans. Firstly, high interest loans, induced loans, and increased credit limits can easily lead students to fall into the trap of "serial loans". Secondly, some campus lending platforms exploit the lack of financial knowledge among a few students, exploit loopholes in financial regulation, and induce excessive consumption among students. Thirdly, there is a risk of information theft on campus non-performing online lending platforms, and those who are impersonated may face issues such as credit records being smeared and debt collection. The fourth is that the development model of campus online lending platforms, such as "campus agency and layer by layer subcontracting commissions," disrupts normal campus order, and the phenomenon of violent debt collection threatens the personal safety of students.

　　Therefore, the Black Technology Student Union solemnly reminds students to fully understand the hidden dangers and risks of online non-performing loans, and enhance their awareness of financial risk prevention; Establish a rational and scientific consumption concept, actively learn financial and cybersecurity knowledge, and say "NO" to "bad campus online lending".

　　下面的廣告你們是否見過？“先買手機 后付款 大學生的貸款神器”、“0擔保、0首付、只需學生證、身份證便可輕松貸款”。面對校園網(wǎng)絡借貸平臺的各種誘惑，你心動過嗎？親愛的`同學們，你們真的了解校園網(wǎng)絡借貸嗎？

　　現(xiàn)在，高校大學生通過校園借貸平臺來購買手機、電腦等現(xiàn)象頻見，不計后果的在校園借貸平臺申請貸款的學生屢見不鮮。合理的信貸業(yè)務可以緩解生活經(jīng)濟壓力，一旦貸款超出了自己的償還能力或深陷騙局的陷阱，后果將不堪設想！

　　案例一 長沙某高校學生陷“貸款購手機”騙局

　　長沙某大學多名學生被騙，這些被誘騙的大學生分別貸款購買手機，每臺手機的市場價不等，辦完貸款購機手續(xù)后，手機沒拿到，卻背負了一身的欠款，總欠款額度高達數(shù)萬元。

　　案例二 請其他同學幫助申請網(wǎng)絡借貸去du球血本無歸

　　杭州某大學生謊稱家庭富裕，兼之平時出手闊綽，是同學眼中的土豪，在取得其他學生的信任后，以做生意向家里證明自己的能力但缺少資金為由，騙取同學們幫他到互聯(lián)網(wǎng)金融平臺貸款，拿到錢后卻用于賭博，最終全部輸光。據(jù)悉，被騙學生多達40余人，被騙貸款最多達數(shù)十萬元，最后因債務纏身無力償還在山東青島跳樓自殺。

　　案例三 大學生買手機貸3萬滾成70多萬負債

　　某大學的一名學生，去年為了購買高檔手機及其他消費，申請校園網(wǎng)絡借貸。隨后，經(jīng)過拆東墻補西墻，不斷找其他貸款公司貸款還債，其最終欠下多家公司共計70余萬元的債務，而原始金額僅為3萬元。

　　專家分析，校園不良網(wǎng)貸存在諸多風險，一是高利貸、誘導貸款、提高授信額度易導致學生陷入“連環(huán)貸”陷阱。二是部分校園借貸平臺利用少數(shù)學生金融知識匱乏，鉆金融監(jiān)管空子，誘導學生過度消費。三是校園不良網(wǎng)貸平臺存在信息盜用風險，被冒用身份者可能會面對信用記錄被抹黑及追債等問題。四是校園網(wǎng)貸平臺“校園代理，層層分包提成”等發(fā)展模式破壞正常校園秩序，暴力追債現(xiàn)象威脅學生人身安全。

　　為此，黑科技學生會鄭重提醒廣大學生，要充分認識網(wǎng)絡不良借貸存在的隱患和風險，增強金融風險防范意識；樹立理性科學的消費觀，積極學習金融和網(wǎng)絡安全知識，對“不良校園網(wǎng)絡借貸”說“NO”。

　　校園網(wǎng)貸英文作文 10

　　With the popularity of Internet finance, the online installment loan platform for college students has quietly become "popular" in the past two years, and has quickly entered college campuses. It is understood that many college students choose to take out online loans and buy high-tech products such as smartphones and computers in installments.

　　Due to the convenience of online shopping, a considerable number of college students purchase daily necessities from the internet. Due to limited living expenses, people were originally unable to purchase bulk commodities. However, in recent years, with the emergence of online installment loan platforms, some college students have started to use online loans to consume in advance and purchase what they want.

　　Various online lending platforms, without the need for guarantees, simply use your fingers and fill out information to make installment purchases and loans, which obviously has great appeal for financially strapped college students.

　　Some college students like to compare themselves, which leads to irrational consumption, inability to keep up with overdraft speed, and the phenomenon of using loans to repay loans. I have received a payment reminder message from an online lending platform, and the borrower is my student Lin. The student registered my name and phone number as the contact person and sent the message to my phone when requesting payment.

　　Faced with "campus loans", college students should first exercise self-discipline and master some necessary financial knowledge to learn rational consumption. Of course, universities can also offer some financial courses to help college students stay away from high interest loan products, especially online lending platforms with particularly strong penalties after default.

　　隨著互聯(lián)網(wǎng)金融的火熱，針對大學生的網(wǎng)絡分期貸款平臺近兩年悄然“走紅”，并迅速進襲高校校園。據(jù)了解，不少大學生都會選擇網(wǎng)絡貸款，分期買手機和電腦等高科技產(chǎn)品。

　　由于網(wǎng)絡購物的便利，相當一部分大學生日常生活的`必需品都是從網(wǎng)購來的。由于生活費有限，大宗商品大家本來無力購買，但這兩年，隨著網(wǎng)絡分期貸款平臺的出現(xiàn)，部分大學生開始通過網(wǎng)貸的方式，提前消費，購買到自己想要的東西。

　　形形色色的網(wǎng)貸平臺，無需擔保，只需動動手指，填寫資料，就可以分期消費、貸款，對囊中羞澀的大學生們而言，顯然有著很大的吸引力。

　　部分大學生愛攀比，這就造成非理性消費、還款能力追不上透支速度、以貸還貸等現(xiàn)象時有發(fā)生。我就有收到過一個網(wǎng)貸的平臺發(fā)來的催款信息，借款人正是我?guī)У牧帜硨W生，該生把我的名字和電話作為聯(lián)系人登記進去，催款時把信息發(fā)到我的手機上。

　　面對“校園貸”，首先大學生要自律，并要掌握一些必要的金融知識，學會理性消費。當然高校也可以通過開設一些金融課程，使大學生盡量遠離高利貸產(chǎn)品特別是違約后懲罰力度特別大的網(wǎng)貸平臺。

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