Beauty loan is actually a variant of campus loan. The "campus loan" incident has aroused great concern in society. From April last year, the China Banking Regulatory Commission and the Ministry of Education jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Non-performing Online Loans on Campus, to May this year, the Notice on Further Strengthening the Standardized Management of Non-performing Online Loans on Campus. In terms of campus loan, the chaotic campus loan industry has attracted frequent actions and vigorous rectification by the government. The government's normative policies have led many lending platforms to withdraw from the campus loan market. However, there are also some platforms that do not want to give up the huge business of campus loans and make a gorgeous transformation of campus loans. Through circuitous operation, they combine loans with the popular beauty industry and lend money to consumers in the name of "medical beauty stage". They also pay close attention to college students. Young women who have just entered the society have also become the focus of "customers" in their eyes.

As we all know, plastic surgery is very popular among young people who love beauty, and the price of many plastic surgery hospitals is very expensive, often tens of thousands of yuan, which is unbearable for students or young people who are still in college. People who have just joined the work. In order to attract these customer groups, some beauty hospitals began to provide installment payment services. According to media reports, when a female college student traveled to Nanjing, a middle-aged woman took the initiative to recommend beauty business to her, and strongly encouraged girls to borrow money from the lending platform through the loan APP. In less than 10 minute, the female student owed 40,000 yuan in foreign debt. Although the recent American loan fraud case has not spread on campus, as the main consumer group, students may still be the most affected group. According to the survey, many beauty hospitals have college students' beauty loan business. With your ID card and student ID card, you can borrow tens of thousands of yuan in ten minutes. Under such relaxed conditions, many inexperienced college students are very happy, and it is easy to sign the agreement impulsively under the persuasion of hospitals and intermediaries.

2. Case: Xiaolin is a sophomore this year and is currently studying in Shenzhen. In an interview with reporters, she admitted that she had applied for a beauty loan from a beauty salon. At that time, an intermediary strongly recommended the relevant loan, but she finally gave up the plan because of cowardice. "At that time, the intermediary said that borrowing money only required ID cards and student ID cards, no mortgage, no interest, and the success rate was over 90%. However, because of fear of problems, no contract was signed at that time. When I came back to discuss with my friends, everyone felt unsafe and let go. "

3. Many experts in the industry believe that there is a very worrying problem in this kind of exposure, that is, college students now generally lack financial and legal knowledge, and their awareness of prevention is low. "A highly educated college student was persuaded by the intermediary to borrow tens of thousands of yuan in a few minutes without considering the legal consequences that need to be borne. At the same time, in some cases, some college students completely handed over their property. " The mobile phone is handed over to the intermediary, and the intermediary is only responsible for taking photos and signing. This behavior is very puzzling. "Intermediary loan fraud beauty salons look on coldly, and huge economic benefits often make people ignore the law. One of the main reasons for beauty loan fraud is that the ultra-low lending threshold makes many intermediaries think it is deceptive.