I was going to experience the beautiful scenery, but I didn't expect to be cheated into getting a consumer loan. Recently, a university student in Nanjing was cheated to apply for a consumer loan. Nanjing Consumers Association and Jiangsu Provincial Public Security Department successfully went to the beauty shop to help protect rights, canceled the installment loan, and returned the installment payment that the student had paid back for one year, including principal and interest.

On June 20th, 20021year, college student Mu spent 18.8 yuan in a professional beauty shop on the video website, so he made an appointment for shopping on July 4th. After entering the store, the service staff first gave A Mu a skin test, and then recommended to buy a set meal. Houmu refused the short-term package on the grounds that she could not come to the store continuously in the near future. The service staff recommended an unlimited number of annual packages, but Mu refused on the grounds of insufficient cash. At this time, the service personnel claimed that they could give A Mu a loan, which would not affect the credit investigation. Thanks to the brainwashing and promotion of the staff of the beauty shop, Mu's service project changed from a single experience in 500 yuan 18.8 yuan to a short-term package of 3,000 yuan, and finally became an annual service of 5,800 yuan, a loan of 5,300 yuan and a repayment of 7,200 yuan in two years.

After returning to school, Mu regretted being brainwashed and sold. 7200 yuan is already a high consumption for students without income, and the burden of consumer loans is heavy and psychological pressure is great. Mu also tried to sell the service to others at a discount online, but the statement of the national chain transferable package claimed by the service staff was not recognized by other stores. My classmate's counselor found her abnormality and quickly reported the situation to the college and the school security office after understanding the reasons. On March 4, 2023, Mr. Mu called the hotline 12345 to complain and call the police. Due to the epidemic, the school was closed and the beauty shop was closed, so Mr. Mu's activism could only be put on hold temporarily.

In recent years, some small loan companies aim at university campuses and conduct induced marketing through cooperation with beauty, training and fitness companies. Moreover, granting Internet consumer loans to college students induces them to spend too much in advance, which causes some college students to fall into the trap of high loans, infringes on their legitimate rights and interests and causes bad social impact. In fact, as early as 20 17, the former CBRC, the Ministry of Education and Ministry of Human Resources and Social Security jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loans in response to the chaos of "student loans" and "campus loans". In 20021year, China Banking Regulatory Commission, Internet Information Office, Ministry of Education, Ministry of Public Security and People's Bank of China jointly issued the Notice on Further Regulating the Supervision and Management of College Students' Online Consumption Loans, demanding to strengthen the supervision and management of college students' online loan business, and making it clear that microfinance companies are not allowed to issue online loans to college students, and lending institutions outsourcing cooperative institutions are not allowed to induce college students to spend in advance, borrow excessively, mislead or induce publicity with false reasons, conduct accurate marketing to college students, and are not allowed to send them to lending institutions. Further strengthen the online loan risk management of college students in licensed financial institutions such as consumer finance companies and commercial banks, and may not issue loans to college students without approval.

Related Questions and Answers: What are the credits and mortgages of the micro-loans issued by Nanjing Bank Co., Ltd.?

Conditions for applying for small loans:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Microfinance processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.