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College student online lending consumption is called local tyrant farmers who work hard to sell food pigs to pay off the

2025-01-27 13:55:10|Myriagame |source：minecraft skins

In the past few days, a news I saw on the Internet made Lin Lin, a sophomore, "have a heart."According to media reports, a college student in Henan has exposed to more than 10 Internet college students 'loan platforms to use the classmates of class students, student IDs, personal telephones and parents' telephones, handheld IDs, and other information borrowings.Eventually jumped off the building and committed suicide.

As a college student with a record of only one online lending platform, Lin Lin's life will not fall into a "desperate", but it is also a bit miserable: in addition to class, Lin Lin almost "close himself every day."In the dormitory, a large box of oatmeal I just bought was eaten by her -scooped two spoons of dry oatmeal and swallowed it with boiling water, which was her meal.

Such a life is given by the iPhone6s in her hand.Lin Lin bought this "Kidney 6" through the Internet college student lending platform last year. She only had 1,200 yuan per month. Now she still owes 4,000 yuan in the loan platform, so eating has become a problem.

Today, the consumer products for online installment loans facing college students are endless. This loan consumption model is quickly popular among post -95 college students, which are called "Internet aborigines", but their disadvantages and risks have gradually emerged.Consumption, repayment capabilities can not catch up with overdraft speed, loan repayment and other phenomena, such as loan ... As Lin Lin said: "Hardborn allows himself to owe a butt debt, it was the moonlight family, and now it becomes a native of the Tu family."" "

"When signing a sub -phase contract, there is a feeling of signing the deed." In order to buy a mobile phone, Lin Lin signed "the first contract in life" - "Fun Sub -Mall Credit Contracts".

"I want to change my phone for a long time, so I can't save money by living only."

Lin Lin accidentally saw a shopping platform called "Fun" in Alipay's credit zone, which can provide interest -free installments to purchase iPhone6s services. It is divided into 24 months. The monthly service fee only needs to be repayment of 326.98 yuan.

Lin Lin applied for a third -level member and could get an overdraft limit of 9,000 yuan."I submitted an application for upgrade members online. The campus agent came to me downstairs to me to sign a contract that afternoon."

I bought the mobile phone, but Lin Lin's mood was very different from the imagination, and his life was even more difficult. "The money is spent in the middle of the month, and he dare not tell his parents that even the cafeteria did not dare to go at the end of the month."

Lin Lin spent 6,500 yuan to buy a mobile phone, and there was a desirable amount of 2,500 yuan left. She had to continue borrowing money from inside to make white strips.In addition to more than 300 yuan per month, it has to pay nearly 600 yuan withdrawal and loan.

"I feel that my hands and feet are tied up, and I can only maintain it through this way."

Zhang Meng's WeChat nickname has a magical feature. When each friend adds her, she will unconsciously read her WeChat name, and then ask her a kind of exactly the same question-

"Eat the soil girl Meng Meng Da" "Why is it called a" Eat soil "girl?"

"Because every month is borrowing money, I can't afford to eat at the end of the month." Zhang Meng always answered these questions with a smile.

The 19 -year -old girl in the first sophomore said that her monthly shopping on online shopping is around 1,500 yuan. Without the source of income, she uses borrowing software to withdraw cash consumption and repay it in installments.

Zhang Meng divided her living expenses into two copies, one was 300 yuan, and the cash withdrawal was used as a daily daily expenditure, and the other was 1,200 yuan.According to Zhang Meng, she currently has a loan on three borrowing platforms. The repayment time of each platform is 10 days apart, and the repayment amount is from 300 to 500 yuan.The borrowing bill that is not made up, the remaining online shopping funds will be used directly into Alipay to use it.

Zhang Meng said that she rarely calculates the profits of the borrowing platform and never count. If she does not borrow, she can save how much money, but she is happy to be a "eaten girl."In her opinion, although loan consumption has made herself a "debt" life, it is simple and convenient.

However, Qin Ge, who came, wanted to remind Zhang Meng that she would not fill this hole one day by dismantling the east wall to make up the west wall.

Qin Ge, who was studying in a junior in a university in southwest, was only 800 yuan per month, but it spent nearly 12,300 yuan on online shopping last year.When he exposed the Alipay bill in the circle of friends, the following comments lined up a neat team, "local tyrant", "local tyrant" and "local tyrant brother"."Where am I a local tyrant, I have to fill the soil in the ants of the ants on the 10th every month." Qin Ge replied.

The "ant's hole" in Qin Ge's mouth refers to the online shopping service provided by the Ant Micro -loan to the consumer -Ant Hua Tao, which can take "buy this month, pay it next month" by Ant Huayan.Shopping in the form, this consumption method has attracted a large number of college students with no source of income.

According to Qin Ge, since the use of ant flower crickets in March last year, he has fallen into a dead cycle of installment consumption."In the past, I could n’t afford it. I can buy it now. As long as the merchant can provide Ant Huayan services, I will unconsciously click the option of Huayan in the period when paying."

It can be seen from Qin Ge’s Alipay bill that he purchases about 1,000 yuan online online, but the amount of real immediately paid is only about 300 yuan.Come back for a few months.

Last year, "Double 11", Qin Ge purchased about 1,500 yuan on the Internet. By the time it was repaid, because he couldn't get so much money, he packed cash to repay the money by lending.

However, the holes were still getting bigger and bigger. In the end, Qin Ge had to tell his parents that he would not pay for it in installments in installments.

At the end of January this year, parents who worked in the countryside sold pigs and sold foods to help Qin Ge repaid the debt owed by the lending platform.Qin Ge's mother told the author: "The basket that the child comes out, we can only make up for it."

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