A college in Jingzhou more than ten students to help students to help students to memorize 700 thousand loan debt online loan debt back to a Jingzhou news network news (reporter Li Hua intern reporter Yang Jiushi Li Yushan) now, many loan company appears on the network, while providing some convenience, but also hidden a lot of risk. Recently, more than ten students in a university in Jingzhou have caused a lot of trouble because they helped students with their loans. To help the students back online loan debts a boy said, look at a classmate a favor, he promised to quickly pay back the money, but also established the writings, said two or three days, finally did not repay the money. The student’s "he" is classmate Lu lou. Starting in May this year, he asked for help from many classmates, such as his family, his own business, and so on, asking students to help themselves borrow money from the internet. More than 10 of his classmates believed in him under his hard plea. Xiao Lu first asked students to download a number of net loan software and campus installments loan APP, with their ID card, student card registered account number, and then take everyone to the school near a so-called loan company to fill in personal information. First, the students each through their own account for the small Lu loan of two and three thousand yuan, and wrote iou. The students said, the small Lu mastered their ID card information and registration number, carrying them repeatedly borrowing more money owing on the loan, the loan from their account is away, interest is too high, but the small Lu’s promise to repay but has no cash, single maximum loan amount reached sixty thousand yuan. In October 31st, Xiao Lu returned to his hometown with his parents in Guangdong, but he did not repay the loan in the name of his classmates. According to the statistics of the students, the loan amount is about 700 thousand yuan. In the face of huge repayment pressure, the students are impatient and angry. In order to understand the purpose of his loan and the next plan, the reporter dialed his phone, but the phone has been shut down. Subsequently, the reporter contacted the father of Xiao lu. He said, "they’ve been running around and going to the law.". It is understood that the school has done many warning education work, vigilance online lending and campus lending. Why do students trust others and participate in Internet lending? One girl said, "little Lou promises some benefits.". Another girl said, Xiao Lu said that if he did not repay the money, she can tell the teacher, you can also call the police, she promised to help. After the incident, the school attaches great importance to guide the students through judicial procedures to solve the problem, in order to recover the losses. Who’s going to pay for the money that’s lent to Lou? How do students safeguard their rights and interests? The reporter consulted the Hubei sigitech firm Xu Shengguo lawyers. Xu lawyer told reporters, because the parties are already 18 years old, with full capacity, within the statutory lending rate of 24% loans and interest, the students who need loans to repay their own. However, according to the authenticity of the reasons for the loan of small Lu, you can ask him to repay the money through consultation, if necessary, you can sue. An identity card tens of thousands of loans, beware of net loan risk why small Lu and students can easily lend so much money? Online loan.
荆州一高校十余名学子帮同学贷款 背下70万债务 帮同学网上贷款 背下一身债 荆州新闻网消息（记者 李桦 实习记者 杨玖诗 李余山）现在，网络上出现不少贷款公司，虽然提供了一些方便，但也隐藏了不少风险。最近，荆州某高校的十几位学生因为帮同学贷款，惹出了一堆麻烦事。 帮同学网上贷款 背下一身债 一名男生说，看在同学一场的份上帮了忙，他承诺很快还钱，还立了字据，说是两三天还，最终没有还钱。 学生们口中的“他”是同班同学小卢。今年5月开始，他以家里有事、自己创业等各种理由，向许多同学求助，请求同学们帮自己从网上借贷公司贷款。在他的苦苦恳求下，有十多个同学相信了他。小卢先是要求同学们下载了多个网贷软件和校园分期贷款的APP，用他们的身份证、学生证注册账号，接着又把大家带到学校附近一个所谓的贷款公司填写个人信息。 一开始，同学们每人通过自己的账户为小卢贷了两、三千元，并写了借条。 同学们说，小卢掌握了他们的身份证信息和注册账号，背着他们反复还贷借贷，越来越多的钱从他们的账户被贷走，利息也高得吓人，但小卢的还款承诺却迟迟没有兑现，单个最高贷款金额就达到六万元。 10月31日，小卢跟随父母回到广东老家，但他用同学名义办理的贷款却一分未还。据学生们目前统计，贷款金额大约有70万元。面对巨大的还款压力，同学们又急又气。 为了了解小卢的贷款目的和接下来的打算，记者拨打了他的电话，但电话已经关机。随后，记者联系了小卢的父亲。小卢父亲称，他们一直在为此事到处跑，走法律途径。 据了解，学校做过多次警示教育工作，警惕网上借贷和校园借贷。学生们为什么还会轻信他人，参与网贷呢？ 一位女生说，小卢许诺会给一些好处。另一位女生称，小卢说如果他不还钱，她可以告诉老师，也可以报警，她就答应了帮忙。 事件发生后，校方十分重视，引导学生们通过司法程序解决问题，以挽回损失。 借给小卢的这些钱到底该谁来还？学生们如何维护自己的权益？记者咨询了湖北思捷律师事务所许圣国律师。许律师告诉记者，由于当事人都已经年满18岁，具备完全行为能力，在法定贷款利率24%之内的贷款及利息，都需要贷款的同学们自己偿还。不过根据小卢借款理由的真实性，可以通过协商要求他还钱，必要时可以提起诉讼。 一张身份证贷几万 当心网贷风险 为何小卢和同学们可以轻而易举的贷到这么多钱？网上贷款究竟是怎样运作的？网贷行为安不安全？大家对这种网贷形式是否了解呢？ 采访中，有一半的人对网贷不是很了解。现在不少银行已开通了网贷，不需要办理抵押，具体在网上贷款需要哪些手续？ 中国建设银行沙市分行个人贷款中心副主任王再胜介绍，网贷不需要到银行，不需要提供资料，只需要自己通过电脑和手机，就可以在线办理贷款。 银行的网贷业务通常有一定的准入门槛，比如必须在银行内有一定的存款，但更多的网贷公司门槛较低，贷款额度高，不少人被这样的条件所吸引。 由于流程简单、操作方便，网贷受到一些年轻人的青睐。但是贷款再容易，也要考虑自己的还款能力。有的甚至利滚利，还款金额不断提高。与抵押贷款一样，网贷一旦违约，就会对贷款人的信誉造成严重影响。 目前网贷机构较多，难免鱼龙混杂，市民选择时一定要核实贷款公司是否取得了金融许可证，实地了解后再进行借贷。 王再胜提醒，还要看贷款的利率，目前我们国家规定的是一年4.35%，如果远远高于这个利率的话，贷款公司可能有一定的问题。 近年来，因网络引起的经济纠纷时有发生，大家一定要擦亮双眼，不要贪图便宜。平时不要把自己的身份证号、手机号等个人信息泄露出去，更不要在网上随意注册账户，帮人贷款。 违法网贷的受害者往往是防范意识较低的学生群体。湖北思捷律师事务所许圣国律师特别提醒，校园贷、网贷等贷款方式存在较大安全漏洞，学生们尤其应该慎重选择。相关的主题文章：
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