理性消费拒绝网贷演讲稿英文
"Refu campus loan, rational consumption" today, I mainly talk about how to refu campus loan and rational consumption.
First of all, we must understand what campus loan is and what kind of charm it has that will sink college students with higher education into it? For modern college students, most boys like to buy some digital equipment or date, while the general digital equipment is very expensive, which college students can't afford, and the low amount of loan provides convenience for the people. Most girls like to buy cosmetics, clothes, jewelry and so on. They have a rious psychology of comparison. Students in school do not have an independent source of income. Once their consumption desire expands, they may fall into rial debt and eventually lead to great disaster.
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This kind of loan focus on "low interest rate" and "fast review", advertis tempting words such as "five minute loan" and "monthly interest rate less than 1%", and has attracted a large number of college student loans. According to the survey, the risk control measures of
campus consumer loan platforms vary greatly, and individual platforms have the risk of fraudulent u of student identity.
In addition, some platforms that provide cash loans for students are difficult to control the flow of loans, which may lead to excessive consumption by students who lack lf-control. Campus loan has the following characteristics: 1 Pervasive fal advertising.
我爱国防演讲稿七夕节中国人通常吃什么Illegal campus loans can be obtained by posting wall advertiments inside and around the school, or by mass advertising in the circle of friends and QQ through wechat and QQ. 2. Small amount, short term and low interest.
Low threshold, high interest rate, uncured and uncured have almost become the special advertising words of campus loan. 3. Borrowing from another lending company makes the debt roll up.
永厚陵This means that if we tear down the east wall to make up the west wall, the borrower will sign a higher amount of debt contract, and the borrower's debt will roll like a snowball. 4. Evade legal risks, commit fraud and keep a good hand.
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Becau usury is not protected by law, in order to avoid legal risks, the loan companies often keep a hand. Once a student can't change the repayment, the online loan platform will not collect the payment through proper channels. Instead, it will u threatening and intimidating means such as nding mass text messages to parents, parents and teachers, posting big character newspapers on campus, and even arranging personnel to stop at home.
Once you fill in your information on some online loan platforms, you are likely to be "poisoned" by some online fraudsters and u the name of this platform to defraud. I have a classmate around me, a real example.
Becau her father was riously ill in a car accident and in debt at home, she couldn't reach out to her mother for living expens. She wanted to borrow hundreds of dollars on the platform for temporary u. She didn't want to leak her identity information. The fraudster told her all her identity information in the name of platform customer rvice, so that she believed that this person was a real customer rvice staff. The fraudster said, "
well, our platform is not open to college students now. You need to clear your limit". What does clearing mean, that is, everyone has a withdrawal limit. If you put forward all that limit, you will be cleared.今天是父亲节
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The money raid is transferred to the designated wechat account, and the account on the platform is cancelled, so you don't need to repay the money raid. She believed it. After the amount was put forward and called, the swindler hacked her wechat, and the phone call became an empty number. In the back, it was really said that it should not be every day and that it didn't work.
She didn't dare to call the police. She didn't want to make things big and make it known to the whole school. I had to bear the debt by mylf. Fortunately, the principal plus interest borrowed was more than 6000. I could afford to ask my brother for help.
Now, there are many examples of how many people are planted in campus loans. As college students, how can we avoid campus loans? 1. Learn the knowledge of financial loans and enhance the awareness of prevention. Don't be dazzled by the "low interest rat
e and low risk" advertid by campus loans, and don't trust all kinds of eye-catching information. 2. Establish correct values and rational consumption concept, consciously resist the one-sided pursuit of material enjoyment, and resist excessive consumption and over consumption.
