Security Warning on Preventing scam online loans on Campus
随着网络借贷的快速发展，部分不良网络借贷平台采取虚假宣传的方式和降低贷款门槛、隐瞒实际资费标准等手段，诱导学生过度消费，甚至陷入“高利贷”陷阱，侵犯学生合法权益，造成不良影响。为提高我校留学生防范意识，防止留学生陷入非法校园贷，教育和引导留学生树立正确的消费观念，特提醒广大留学生注意以下防范事项：
With the rapid development of online loans, some fake online loaning platforms use false publicity, lowering the loan threshold and concealing the actual payment standard, etc., to induce students to over consume and even fall into the trap of "usury", which infringe upon students' legitimate rights and interests and cause adverse effects. In order to improve the awareness of foreign students in our school, prevent them from getting into illegal campus loans, educate and guide them to establish a correct consumption concept, we hereby remind them to pay attention to the following precautions.
一、校园贷的表现形式
I. The Form of Campus Loan
日前，针对在校大学生的诈骗手段花样翻新、日渐猖獗，主要表现形式有分期付款、小额借贷、低利息甚至0利息贷款、信用卡分期还款等方式，号称“零首付”“零风险”“无担保无抵押”，华丽的外表下，隐藏着让人不易察觉的各种骗局和陷阱。
Recently, Fraud against college students is increasingly rampant. The main forms of expression are installment, small loans, low interest or even zero interest loans, credit card installment repayment and so on. They are known as "zero down payment", "zero risk", "no guarantee no mortgage". Under the gorgeous appearance, there are various kinds of frauds and traps which are not easily noticed.
二、校园网络借贷存在哪些风险
II. What risks exist in campus network lending?
1、骗取学生个人信息，用于代替别人办理贷款业务；
1. Defrauding students of their personal information and using it to take loans on behalf of others;
2、不法分子帮助大学生办理贷款后，冒用其身份继续贷款；
2. After the fraudsters help university students to borrow the loan, they continue to borrow money falsely with their status;
3、以贷款前需收取担保金、人身保证金等为借口，反复诱骗贷款大学生汇款；
3. Using the pretext of collecting guaranty money and personal security money before lending as an excuse, repeatedly luring loan students to remit money;
4、不法分子利用贷款信息填写的时机搜集骗取留学生亲戚、朋友、同学、老师等个人信息，进而利用这些个人信息进行不法活动；
4. Lawbreakers use the opportunity of filling in the loan information to collect and swindle the personal information of relatives, friends, classmates and teachers of overseas students, and then use the personal information to carry out illegal activities
5、这些小型借贷公司多为非法民间借贷组织，借贷手续不规范，不合法，并伴有利息高、暴力收账等性质特点；
5. Most of these small-scale lending companies are illegal private lending organizations. Their lending procedures are not standardized and illegal, accompanied by high interest rates and violent collection of accounts.
6、协议诸多陷阱：有些平台的利息非常高，而且学生签署的协议里有很多专业术语和法律条文，如果不认真阅读根本无法理解，稍不留神就会吃亏。
6. There are many pitfalls in the agreement: some platforms have very high interest rates, and there are many professional terms and legal provisions in the agreement signed by students. If you do not read carefully, you will suffer losses.
三、校园网络借贷如何防范
III. How to Prevent Campus Network Lending?
1.理性消费，尽量不要在网络借款平台和分期购物平台借款和购物，因为利息和违约金都很高；
1. Rational consumption, as far as possible do not borrow and shop on the online lending platform and staging shopping platform, because the interest and liquidated damages are very high;
2.保护好自己的个人身份信息，切勿将自己的个人身份信息借给他人借款或购物，否则将会承担相应的法律责任；
2. Protect your personal identity information. Don't lend your personal identity information to other people to borrow or buy, otherwise you will bear the corresponding legal responsibility.
3.一定要提高自我保护意识，当有危险或者被不法分子威胁时，要学会用正当手段或者动用法律武器保护自己。同时，需要及时向老师或警察求助；
3. You must raise our awareness of self-protection. When you sense danger or are threatened by lawbreakers, you should learn to protect yourselves by proper means and by legal weapons. At the same time, you must ask for help from teachers or police in time.
4.一定要树立科学的消费观，结合自己的经济情况，不攀比、不炫耀，合理消费，适度消费，同时应时常了解一些简单的金融常识如逾期滞纳金、违约金等。
4. You must establish a scientific concept of consumption, combining with your own economic situation, do notcompare, do notshow off, reasonable consumption, moderate consumption, and at the same time, you should often understand some simple financial common sense such as overdue late payment, liquidated damages, etc.
国际教育学院
IES
2019.4.16
