It was intended to experience the beauty, did not expect to be deceived for consumer loans. Recently, a student at a university in Nanjing was tricked into taking out a consumer loan. Nanjing City, Jiangsu Province, the Consumer Federation of schools and public security departments together to the beauty store to successfully help defend the rights, canceled the installment of consumer loans, returned the student has to pay a year of installments, including the principal and interest.
June 20, 2021, college students Mu in the video site of a professional beauty store brushed 18.8 yuan of activity, and made an appointment on July 4 to visit the store. After entering the store, the service staff first gave Mu a skin test, and then recommended to buy the package is more cost-effective. After Mu refused the short-term package on the grounds that he could not come to the store consecutively in the near future, the service personnel recommended an unlimited number of annual packages, Mu refused with insufficient cash. At this time, the service personnel claimed that you can give Mu students loans, will not affect the credit. Thanks to the beauty store staff brainwashing and marketing, Mu's service program from 500 yuan in 18.8 yuan of single experience, to 3000 yuan of short-term packages, and finally become 5800 yuan of annual service, loan 5300 yuan, two years **** repayment of 7200 yuan.
After returning to school, Mu regretted that he had been brainwashed and sold, 7200 yuan for students without income is already a very high consumption, and carrying a consumer loan, psychological pressure. Mu students have also tried to sell the service to others at a discount online, but the service provider's claim of a national chain of transferable packages has not been recognized by other stores. My classmate's counselor noticed her abnormality, understood the reason and quickly reported the situation to the college and the school's security office.2023 On March 4, Mr. Mu called the 12345 hotline to file a complaint and report the incident to the police. Because of the epidemic, the school was closed, the beauty store closed, Mr. Mu's rights action can only be temporarily put on hold.
In recent years, some microfinance companies have targeted university campuses, through cooperation with beauty, training and fitness companies to induce marketing. And the issuance of Internet consumer loans for college students, luring college students to overconsume in advance, resulting in some college students falling into the trap of high loans, violating their legitimate rights and interests, and causing a bad social impact. In fact, as early as 2017, for the "student loan" "campus loan" mess, the former CBRC, Ministry of Education, Ministry of Human Resources and Social Security jointly issued the "Notice on Further Strengthening the Standardized Management of Campus Loans". 2021, CBRC, Office of the Internet Information Office, Ministry of Education, Ministry of Public Security, People's Bank of China jointly issued the "Notice on Further Strengthening the Standardized Management of Campus Loans", Ministry of Public Security, and the People's Bank of China jointly issued the Circular on Further Standardizing the Supervision and Management of Internet Consumer Loans for College Students, which requires strengthening the supervision and management of online lending business for college students, and makes it clear that microfinance companies shall not issue online loans to college students, and that outsourcing cooperation agencies of lending institutions shall not induce college students to consume in advance, borrow excessively on the grounds of falsity, engage in misleading or inducing publicity, and shall not target college students with precision marketing, or push and divert college students to lending institutions. Further strengthen the risk management of online lending to college students by licensed financial institutions such as consumer finance companies and commercial banks, which should not issue loans to college students without approval.
Related Q&A: small loans issued by Bank of Nanjing Co. are thosecredit, mortgage.
Small loan application conditions:
1, for the age of eighteen years of age for residents of mainland China;
2, have a stable residential address and work or place of business;
3, have a stable source of income;
4, no bad credit record, the purpose of the loan can not be used as speculation, gambling and other behavior.
5, other conditions required by the bank.
Small loan process:
1, submit an application to the local bank or lending institution;
2, prepare all kinds of information required for the loan;
3, face to face with the bank or lending institution;
4, the bank audit the qualifications of the lender;
5, the audit passes, successful lending.