Internet finance "advance soldiers" stationed in the campus, students should be wary of personal credit records leave a stain

"Living expenses are not enough?" "In addition to the Money fund, Peer-to-peer, internet finance has begun to target the university students in the" money bag. Many universities in Beijing, "Campus White Stripes", "staged music", "Fun stage" posters plastered dormitory downstairs signs. On the Internet financial platform to find a "road", student users of this type of credit card consumer services have a number of risk predictive ability, is still a question mark.

"Can buy IPhone6 by installments."

Yesterday 11 o'clock noon, just after the Beijing Jiaotong University Student Activity Center, a thin tall boy was surrounded, "91, this afternoon to sign it?" A student greeted him. Male name Fan 91, familiar students have been used to call him "91", is the Jing Dong in the Northern of the financial commissioner, "dive" into the school just two months, he already has hundreds of Jingdong "Campus white" users.

"Sometimes by the end of the month, the wallet is really a bit tight." At the Central University of Finance and Economics, Shing has just had its own "campus white Stripes" for two months. Home before the new Year bought to take home the Spring Festival, is her use of "Campus white Stripes" the first order. Look at the Beijing-east given the "shopping within 30 days of interest-free" terms, Shing said to get lucky money the second month after she gave the account also paid.

The purchase of expensive goods, can be a priori goods, and even the use of a phased return of money, which is inclusive of the Beijing-East "Campus White", fun staging, staging music, such as campus financial platform for students the most attractive place.

Unlike Shing's cautious shopping attitude, in Northern Nian Lin Lei (alias) said that many of the boys in the class on a number of stage shopping platform selected "Phased purchase IPhone6", "all of a sudden to find a home so much money certainly do not agree, split down, one months only hundreds of dollars."

Lin Lei a record of instalments in his mobile account. In January this year, he purchased a total price of 4898 yuan IPhone6 Gold mobile phone, divided into 24 installments, each month he only needs 204.08 yuan of principal and 35.74 Yuan service charge. Calculated, the Lin Lei need to pay 0.7% of the service charge per month for this shopping, and most commercial banks tend to be between 0.5% to 1% of the amortization rate is basically flat.

In fact, such services and credit card payments are similar, but with the 2009 CBRC issued a letter to prohibit the bank to the students under 18 years old credit card, to the 18-Year-old student card, through the parents, such as the second repayment source of the written consent, the major banks have stopped college students credit card business.

Started in the last year's college students staging market seems to be beginning to enter the outbreak phase, in less than a year time, the present has been interesting staging, staging music, love learning loan 3 companies announced monthly sales breakthrough 100 million yuan mark. Before the Spring Festival quietly start "Campus white Stripes", Jingdong is a "late", but the BoE financial consumer finance chief Xu Ling introduced, the current Beijing-east "campus White Stripes" has been in the country's hundreds of schools officially promoted, millions of of students to obtain services.

The "advance soldier" of internet finance

Although the development time of the college student installment shopping market is not long, including Jingdong and other "heavyweight players" has just entered into this field, but there are already some platforms to start exiting. "No other reason, price war. An Internet finance practitioner said. Starting from the end of last year, the market competition intensified, phased music, fun stage two industry leaders began to launch the free handling fee products, by subsidizing the user's way to snatch market share.

"We encourage college students to spend rationally. Xu Ling said that at present, they are facing the group of students out of the service rate is lower than the amortization rate of commercial banks, while there are 30 days to repay the "interest-free" service, "in fact, we give the student group of white line between 3000 yuan to 5000 yuan, this is the result of a lot of "Unlike the monthly credit card, the" Campus white line "and other stages of the line is often a one-time line, the student users once the amount of consumption, can only be completed in the next installment of the Bill and then another installment of the shopping.

In full swing at the same time, college students in the field of several large platform to get huge financing, each student staging platform is also constantly getting financing. The interest stage was established in March 2014 after the establishment of a round of financing: the April access to the blue venture to invest millions of dollars in a rounds of financing, August access to source capital, the Singapore Private Consortium Goldensummit and Blue Venture to invest nearly 30 million U.S. dollars in the B round of financing, December received more than 100 million U.S. dollars in the C An Up-and-comer love learning loan also announced the completion of a round of financing earlier this year.

Interestingly, less than a week ago, the staging of music also announced a new round of financing news, and investors is precisely the new market to Beijing east.

"Iron camp, the flow of soldiers," this describes the campus market is more appropriate. How to "Mickle"? The electric dealer's start of the Jingdong appears to be full of confidence, Xu Ling said "Campus White Stripes" is only the entire Beijing-East campus financial business "advance Soldier", on the one hand, Beijing East can be these student users into the future of Jingdong mall business stable users, on the other hand, Jingdong will also be linked to the business chain in the public sector, in the employment of university students Entrepreneurship and other aspects to provide industrial chain support.

Beware of personal credit records leaving a stain

"How about forgetting to repay?" Yesterday, reporters in the Northern campus randomly asked more than 10 students in school, of which 4 students clearly told reporters "to pay fines", more already opened the relevant phased shopping business students just this as an ordinary online shopping. Many students do not know whether the repayment will affect personal lifetime credit records.

In fact, "repayment rules" are often expressed in the service rules of each campus staging platform. Take "interest installment" as an example, its repayment rule clearly prompts, "the interest installment business is cooperates with the bank, does not repay will affect the personal lifelong credit", this also will directly reflect in the future buys the house to buy a property. In addition, the platform will sign the contract with the user, stipulate repayment method, date and so on, the contract is guaranteed by law. "Three days before the repayment date, we will be reminded by SMS and telephone, and if we are deliberately defaulting, we will be punished according to the contract, that is, to collect late fees (1% of the total amount of outstanding payment per day)." ”

It is understood that such a phased shopping platform in order to give students a quota before, often need to "face sign" A, the staff need to authenticate the identity of students, while the express repayment risk and prompt rules. However, with the number of business, some salesman specific operation, "face sign" became a formality.

BEIJING-East finance related leaders, the current Beijing-East "campus white" business is still in Jingdong's own shopping system, the future of personal white stripes will also enter the credit system. "We have outlets on every campus with a ' campus white-stripe ' and students can find a financial officer at any time." "Xu Ling said.