- 相关推荐
校园网贷英文作文（精选10篇）
在日常学习、工作和生活中，大家都尝试过写作文吧，借助作文人们可以实现文化交流的目的。还是对作文一筹莫展吗？下面是小编收集整理的校园网贷英文作文，仅供参考，欢迎大家阅读。
校园网贷英文作文 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.
画面中出现了一个有趣但富有启发性的场景，一名大学生正落入校园网借贷的陷阱。公众对这幅漫画揭示的令人不安的真相感到惊讶。尽管图片很简单，但作者想要传达比我们第一眼所能感觉到的更复杂、更深刻的含义。
作者通过这幅图向我们传递了一个明确的信息：校园网络借贷已经成为一种新型的金融诈骗，严重损害了学生的经济利益，造成了学生的财产损失。网络安全公司发布的一份报告显示，在过去一年中，中国的网络欺诈行为有所增加，尤其是在校园网络借贷领域。这种现象背后的原因可能如下。首先，在我国，随着互联网技术的进步，它为一些公司在校园里做生意提供了大量的机会，好的公司和坏的公司都有。其次，所有的`男人都是虚荣的，有些学生无法抗拒虚荣的诱惑，追求奢侈消费，而奢侈消费往往超出了他们的承受能力。当他们负担不起时，他们不断向网络借贷平台寻求帮助，然后不知不觉地陷入了校园网络借贷的陷阱。
形势如此严峻，现在是采取某些有效措施来解决这个问题的时候了。一方面，我国政府应加强对发展网络借贷的监督和指导。另一方面，大学生应培养理性消费意识。只有在理性和健康的氛围中，我们才能最大限度地享受互联网的好处。
校园网贷英文作文 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.
自从大学开始向学生收取所受教育的费用以来，一些学生，尤其是来自偏远农村地区的'学生，一直难以获得这笔钱。因此，政府为他们提供了从银行借款的选择。调查显示，以这种方式资助他的教育的学生人数正在增加。
然而，一些学生（虽然不多）未能按照合同中的承诺偿还贷款。银行很难解决这个问题。而政府在帮助银行方面也无能为力。
我认为原因不止一个。不诚实可能是其中之一，但不是主要原因。众所周知，我们正经历着一个特殊的经济发展阶段，人力资源的供应远远大于需求。许多学生找不到高薪工作。他们如何偿还贷款？为了解决这个问题，我认为政府应该努力让整个经济顺利发展，创造更多的就业机会。
校园网贷英文作文 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.
“校园贷”是近年来互联网金融发展最迅猛的产品之一。随着各高校相继开学，一些P2P网络借贷平台加大校园业务力度。部分不良网贷平台通过虚假宣传的方式和降低贷款门槛等手段，诱导学生过度消费、超前消费甚至为此背上高利贷。
首先详细的讲解了校园贷的由来，提高学生们对校园贷的认识，并举出了有关校园贷受骗的多个实例，强调了校园贷的风险：费率不透明、授信额度过高、风控不严、催收方式野蛮等，在便捷、低门槛背后，校园贷款存在的'问题，正日渐凸显，且开始以极端个例提醒风险所在。他反复提醒学生们一定要有自我防范意识。接着，为我们解释了校园贷的类型，以及了解到了学校对于校园贷安全的重视、成效及体会等。
最后，张雷书记倡导同学们在大学要养成良好的生活习惯，树立正确的消费观念，合理消费，做到俭以养德。
校园网贷英文作文 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.
“校园网贷”不仅影响大学生正常的学业，也让一些家庭背负沉重的债务。打着“互联网+金融”的旗号、却干着“高利贷”勾当的网络贷款，在利益的驱动下，将“罪恶之手”伸向脆弱的大学生。在一些高校里，网络贷款的广告可谓无孔不入。网络贷款广告放大了其显性的正功能、却回避了其隐性的负功能。
在当下的大学校园里，并不缺乏预防电信诈骗和“校园网贷”的`安全教育，却依然有一些学生上当受骗，为何？财商教育的缺失，让一些大学生难以抵御诱惑和欲望，最终“上了贼船”。理财作为一种人与资本的博弈游戏，充满不确定因素和风险。大学生拥有的人力资本和社会资本本身就比较匮乏，在利益博弈格局中处于弱势地位，缺乏风险防范能力；如果轻率、糊涂地陷入“校园网贷”，难免会“一着不慎，满盘皆输”。丰富大学生的金融知识、提升他们的理财能力，有助于“校园网贷”的破题。
“防范校园网贷的风险又同时能满足大学生分期购的需求，最重要的是监管要跟上。”邓建鹏认为，未来的监管政策应在以下方面着力：首先要规定互联网金融平台一定要对大学生做特别的风险提示，倡导适度消费的理念。其次，在评估信用水平和偿还能力时，要适用高于其他人群的审核标准。
近日，教育部和银监会联合发布通知，要求加大不良网络信贷监管力度，向学生发布预警提示信息，同时建立校园不良网络借贷实时预警机制等。
中央财经大学金融法研究所所长黄震表示，校园网贷平台首先要模式合规，才能避免法律风险。如果是以P2P的形式来做，就要按法律法规所规定的，确保其信息中介的定位；如果是以自有资金放贷，就必须由监管部门颁发牌照的消费金融公司来做。
其次，贷款平台应规范借贷流程，对大学生借款人进行适当的测评，综合考虑其风险承受能力、还款能力等。
最后，从行业角度来说，要建立起全行业的风险测评体系和监控体系。
校园网贷英文作文 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.
在当下的学校园里，并不缺乏预防电信诈骗和“校园网贷”的安全教育，却依然有一些学生上当受骗，为何？财商教育的缺失，让一些学生难以抵御诱惑和欲望，最终“上了贼船”。理财作为一种人与资本的博弈游戏，充满不确定因素和风险。学生拥有的人力资本和社会资本本身就比较匮乏，在利益博弈格局中处于弱势地位，缺乏风险防范能力；如果轻率、糊涂地陷入“校园网贷”，难免会“一着不慎，满盘皆输”。丰富学生的金融知识、提升他们的理财能力，有助于“校园网贷”的破题。
“校园网贷”不仅影响学生正常的学业，也让一些家庭背负沉重的债务，在利益的驱动下，将“罪恶之手”伸向脆弱的学生。在一些高校里，网络贷款的广告可谓无孔不入。网络贷款广告放了其显性的正功能、却回避了其隐性的负功能。
近年来，互联网借贷平台瞄准了学生群体，以贷款平台、校园分期购物平台和电商平台的分期付款等形式慢慢渗入校园，宁静的象牙塔成为网络借贷平台争夺的地盘。
学生社会阅历较少，因此千万要保护好自己，遇到可能的借贷陷阱，要提高警惕。
网贷正入侵校园，“0利率、0担保、无服务费”，借助诱人的.公告和“网络+代理”的模式，网贷正在学生群体中飞速蔓延。而学生陷入“网贷诈骗”的事件也是层出不穷。
此前有媒体报道，福建师范学闽南科技学院一名学生，用十多个同学的信息网贷了70多万元，自己却消失得无影无踪；同学们则不停地接到催款通知，严重影响学习生活。此外，也有不少学生在兼职时候掉入网贷陷阱，被所谓的代理人、业务员等诱骗填写网贷资料，最后不仅钱财落空，自己还背上借贷的信用污点。
学生社会阅历较少，且并没有形成经济收入，因此更要保护好自己，遇到可能的借贷陷阱，要多一个心眼保持警惕。保护好个人的身份信息，购物分期需量力而行，无论在任何场合之下都要谨慎充当担保人，否则要承担贷款连带责任。
校园网贷英文作文 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!
这两天，我们听了有关校园贷危害的讲座，从这次讲座中，我感觉自己受益颇多。
随着信息时代的发展，网络上出现了许多网贷平台，用于学生助学和创业。但这些平台中有许多都是网络诈骗，商家通过这些平台骗取学生的钱财。而校园贷就是其中发展最盛的。
校园贷是指在校学生向各类借贷平台借钱的行为。主要针对一些家庭一般，而消费欲望急速膨胀的学生。进入学，每个人都面临着不同的诱惑。这些同学往往具有爱慕虚荣，攀比的心理。他们总数分的追求物质上的生活，只会追求一时的享乐。而针对这些学生，会有不同的骗局来吸引他们进行校园贷。骗子往往看中这些学生超前消费的观念，而学生初入社会，难以区分是非黑白，因此容易上当受骗。
而深受校园贷危害的同学因为无法承受巨额的欠款，无法接受每天被人以侮辱性的语言攻击，更无法忍受周围亲朋好友异样的眼光而选择了轻生。他们的父母不仅要承受巨额债款，还要承受白发人送黑发人的痛苦。太多的`悲剧在我们身边上演，也让我们看到了校园贷的危害。因此，我们要学会正确防范校园贷。
首先，作为一名学生，我们要树立正确的消费观，不与他人攀比，要考虑自己家中的实际情况，不要过分追求物质生活。其次，要明白世界上没有免费的午餐，不会有人无缘无故地对你好，因此，一定不要被他人的花言巧语欺骗，也不要抱着侥幸的心理，觉得自己是幸运的。如果有额外的开销、花费一定要与家人商量，避免上当受骗。最后，如果真的遭受了校园贷，也不要太过惊慌，要及时与家长、辅导员商量，寻求他们的助。若他们也无法解决，就一定要及时报警。
除此之外，我们一定要有警惕心，不要轻易地相信他人，要注意保护好自己的私人信息，如身份证号，手机验证码，家庭住址等，要谨记不能轻易将这些信息告诉他人。
身为祖国的年轻一代，我们一定要有明辨是非的能力，要有坚定的意志力，要学会抵制诱惑。我们正值青春年少，一定要擦亮我们的双眼，坚守内心，为我们的人生画上浓墨重彩的一笔！
校园网贷英文作文 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.
以前贷款的人，主要是社会人员，现在很多大学校园，也出现了校园贷，很多学生也开始贷款提前消费。
近年来，互联网借贷平台瞄准了大学生群体，以p2p贷款平台、校园分期购物平台和电商平台的分期付款等形式慢慢渗入校园，宁静的象牙塔成为网络借贷平台争夺的地盘。
校园网贷的危害极大，建议大学生尽量不要碰这种东西。
不要以为校园贷款多么好的一件事情，拿别人的钱，自己提前享受，事实上，时面的陷阱还是很多的，针对校园贷各项资费的实际情况进行统计分析后，理财分析师发现，与借款时的通畅无障碍相反，想要顺利偿还校园贷借款，往往要在本息之外再扒掉几层皮：除了借款时就已产生的中介费、手续费、代理费、部分平台扣留的.押金等，还包括逾期后高昂的罚息和管理费，名目繁多。
这些网贷的真实利息需要多少钱呢？说出来可能会吓到很多人，理财分析师随机选取了10个开通校园贷业务的平台，在这10家平台中，借款年利率最低为9.56%，最高则可达36.75%。
下面就是近期因为校园网贷造成的悲剧：
1、今年3月，河南某高校的一名大学生，通过本人贷款和冒用其他同学身份贷款的方式，从不同的金融平台获得60万元无抵押信用贷款，最终因无力偿还而跳楼自杀。
2、“裸条贷”的受害者小丽，最初只是在网络借贷平台借贷宝上借了500元，但在高达30%的周利息面前不堪重负，总欠款达5.5万元，被迫欠下了“裸条贷”。
如果你不想成为这些悲剧的主角，那就尽可能不要碰校园贷。
校园网贷英文作文 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.
大学生是一个特殊的弱势消费群体，数量庞大而集中。大学生群体消费观念超前，消费支出五花八门、层出不穷，他们是一个只消费却没有收入、金融风险防范意识薄弱、自控能力较差和缺少信用评价的群体。
随着大学生校园网贷平台在全国高校校园内蔓延扩散，各平台以“借钱不怕坑，还款不用愁”、“零门槛，无抵押”等虚假口号诱骗在校大学生透支信用、盲目消费。部分同学为赚取利息差价，将学费或通过借贷的大额现金投入网络借贷平台中。部分学生甚至充当宣传员，误导更多的同学陷入网络借贷、透支消费，导致数名同学或因网站突然关闭血本无归、或因收不回贷款欠下巨额债务而被迫辍学躲债，家人只得卖房。
大学生校园网贷偿债的严重后果。
1、教育学生提高安全防范意识，树立理性消费观念，自觉远离网络借贷行为，规避盲目消费风险。
2、提醒学生高度重视个人身份信息保密，谨防身份信息被不法分子利用，在不知情的情况下发生网络借贷行为。
3、为全面掌握我校学生参与网络借贷情况，凡已在网络借贷平台借款或“投资”的同学，应主动向学院报告，不得隐瞒，并须立即终止该项行为，防范风险，确保安全。
大学生因受校园网贷债务的困扰，逐渐成为社会热议的`焦点，校园网贷也像只无形的“黑手”，给诸多莘莘学子带来伤害，甚至酿成悲剧，校园网贷瞄准的是有强烈消费需求的在校大学生，一些企业虚构设审查制度、纵容违规手段、疯狂抢滩校园、从而赚取利润、却让无辜学子负债累累。校园网贷不是蜜糖，真的是砒霜，远离真的就对了。
校园网贷英文作文 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".
下面的广告你们是否见过？“先买手机 后付款 大学生的贷款神器”、“0担保、0首付、只需学生证、身份证便可轻松贷款”。面对校园网络借贷平台的各种诱惑，你心动过吗？亲爱的同学们，你们真的了解校园网络借贷吗？
现在，高校大学生通过校园借贷平台来购买手机、电脑等现象频见，不计后果的在校园借贷平台申请贷款的学生屡见不鲜。合理的`信贷业务可以缓解生活经济压力，一旦贷款超出了自己的偿还能力或深陷骗局的陷阱，后果将不堪设想！
案例一 长沙某高校学生陷“贷款购手机”骗局
长沙某大学多名学生被骗，这些被诱骗的大学生分别贷款购买手机，每台手机的市场价不等，办完贷款购机手续后，手机没拿到，却背负了一身的欠款，总欠款额度高达数万元。
案例二 请其他同学帮助申请网络借贷去du球血本无归
杭州某大学生谎称家庭富裕，兼之平时出手阔绰，是同学眼中的土豪，在取得其他学生的信任后，以做生意向家里证明自己的能力但缺少资金为由，骗取同学们帮他到互联网金融平台贷款，拿到钱后却用于赌博，最终全部输光。据悉，被骗学生多达40余人，被骗贷款最多达数十万元，最后因债务缠身无力偿还在山东青岛跳楼自杀。
案例三 大学生买手机贷3万滚成70多万负债
某大学的一名学生，去年为了购买高档手机及其他消费，申请校园网络借贷。随后，经过拆东墙补西墙，不断找其他贷款公司贷款还债，其最终欠下多家公司共计70余万元的债务，而原始金额仅为3万元。
专家分析，校园不良网贷存在诸多风险，一是高利贷、诱导贷款、提高授信额度易导致学生陷入“连环贷”陷阱。二是部分校园借贷平台利用少数学生金融知识匮乏，钻金融监管空子，诱导学生过度消费。三是校园不良网贷平台存在信息盗用风险，被冒用身份者可能会面对信用记录被抹黑及追债等问题。四是校园网贷平台“校园代理，层层分包提成”等发展模式破坏正常校园秩序，暴力追债现象威胁学生人身安全。
为此，黑科技学生会郑重提醒广大学生，要充分认识网络不良借贷存在的隐患和风险，增强金融风险防范意识；树立理性科学的消费观，积极学习金融和网络安全知识，对“不良校园网络借贷”说“NO”。
校园网贷英文作文 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.
随着互联网金融的火热，针对大学生的网络分期贷款平台近两年悄然“走红”，并迅速进袭高校校园。据了解，不少大学生都会选择网络贷款，分期买手机和电脑等高科技产品。
由于网络购物的便利，相当一部分大学生日常生活的必需品都是从网购来的。由于生活费有限，大宗商品大家本来无力购买，但这两年，随着网络分期贷款平台的出现，部分大学生开始通过网贷的方式，提前消费，购买到自己想要的东西。
形形色色的网贷平台，无需担保，只需动动手指，填写资料，就可以分期消费、贷款，对囊中羞涩的大学生们而言，显然有着很大的`吸引力。
部分大学生爱攀比，这就造成非理性消费、还款能力追不上透支速度、以贷还贷等现象时有发生。我就有收到过一个网贷的平台发来的催款信息，借款人正是我带的林某学生，该生把我的名字和电话作为联系人登记进去，催款时把信息发到我的手机上。
面对“校园贷”，首先大学生要自律，并要掌握一些必要的金融知识，学会理性消费。当然高校也可以通过开设一些金融课程，使大学生尽量远离高利贷产品特别是违约后惩罚力度特别大的网贷平台。
【校园网贷英文作文】相关文章：
校园网贷心得体会01-05
校园网贷班会策划书10-07
校园网贷现象下大学生消费观分析论文10-10
车贷收入证明05-27
车贷收入证明10-05
续贷声明范文10-14
续贷声明范文10-30
续贷声明范文05-15
校园网的信息安全论文10-08