"How could he say that?"

"How dare he?!"

This question echoes in the minds of all students.

I just went to university and had my first big class. The one taught the most famous professor of finance in China, academicians of both academies, and vice dean of the School of Finance of Yun University.

Under so many conditions, open your mouth and put the satellite... no, set the rocket... no, let the sky monkey...

Are you going crazy?!

Zuo Zhesheng opened his mouth wide, and under his dazed expression, there was a hint of jealousy and ecstasy.

Han Xiyi turned around in shock and looked up at Fang Xiaowu awkwardly, with shock in his narrow and domineering phoenix eyes.

The other students were all counted as one, surprised, puzzled, angry, sneered, and all kinds of things.

However, to everyone's surprise, Professor Hong not only did not get angry, but instead showed great interest.

"Xiao Wu, are you sure you know what the campus loan is going on? Tell me, don't be scruples."

Those who can get into Yunda University are all top students, and there are no stupid people, but these quasi-year high school students who study hard all day long have the time to study the problem of campus loans? Even some extremely hard-working children have just heard of the names and can't help but feel curious.

Fang Xiaowu is different. He has just been in Yunshang Securities for two months, and there are experts and second generations. He can dig through this thing by chatting together a few times.

But he really didn't dare to speak openly. Professor Hong had the confidence to say not to worry, but he had to carefully consider the words.

"Campus loans, as the name suggests, are currently mainly toxic to university campuses, and are said to have even begun to affect some middle schools."

"You should know that although college students are adults, they are not the general consumer loan subject users, and they should not even be effective customers of consumer loans."

"It is easy to understand, because students do not have stable income, do not have financial credit, do not have the ability to repay, and it is even more impossible to provide sufficient collateral."

"So, the question is - ultra-low-port consumer loans like JD.com and Taobao Huabei do not provide large amounts to college students, so why are campus loans so rampant?"

"Is it because their risk control is stronger than Internet financial giants?"

Fang Xiaowu paused for a moment, gave the students a little time to think, and then denied it completely.

"Of course not!"

"Their risk control is just a sieve, and the loan threshold is incredibly low. If you have an ID card and a student ID, leave your mobile phone number, and one or two classmates will be contacted, you can pay the payment on the same day."

"If it is a customer directly developed by offline sales, the process may be simpler."

"It is such a simple and convenient process that makes a large number of students unable to resist the temptation and borrow money for various reasons."

"Some students may ask: How to ensure profits with such rough risk control? What if someone doesn't repay the loan?"

"Because their interest rates are high enough to cover all the messy costs and bad debts."

"Because their bottom limit is low enough, so low that they can't help but deceive students' loans, and then collect them by any means when they can't pay them back."

"These two points are the source of the sins of campus loans!"

In the silence, a boy suddenly raised his hand.

"Well, classmate Fang, I would like to ask... The day before yesterday I scanned an APP outside the campus. I took a brief look and it said it was borrowing 500 yuan, and it was 530 yuan in three months. The interest seems not to be as high as you said?"

Fang Xiaowu frowned and looked over: "The annualized interest rate of 24% is not high? What do you do at home?"

The boy waved his hand quickly: "I'm either questioning you, I'm just simply curious..."

Fang Xiaowu shook his head: "You will understand if you really borrow it. In addition to interest, there are also handling fees, service fees, and messy money. The actual interest rate will directly break through the sky."

"What's even more terrible is the extremely high overdue penalty interest, 5% per day, or even higher. If you borrow 500 yuan, it will probably not be overdue, but what if you borrow too much?"

Han Xiyi suddenly inserted: "What if I don't pay it back?"

"Harasses, crazy harassment, not only you, but also your classmates and even teachers."

Fang Xiaowu spread his hands: "The shamelessness is here. As college students, we must study in a closed small circle and live for 4 years. They make harassing calls to your classmates, teachers, and parents, use filthy words and even pornographic pictures to insult everyone related to you, and corrupt your reputation..."

"Are you afraid of dropping out of school? Are you afraid of being pointed at everywhere you go? Are you afraid of being isolated by everyone?"

Han Xiyi nodded thoughtfully, and said that he was not afraid without showing off his strength - she was not afraid, but ordinary students were really afraid.

"It seems that the money must be paid back. When it can't be delayed, you still have to ask your parents to make a hole..."

"Yes, I don't want to be pointed at..."

The classmates whispered, but Fang Xiaowu shook his head again.

“Not that simple!”

"Generally speaking, when the loan amount is low, the collection personnel will not use the means at all. On the contrary, they will pretend to consider it for you and actively help you with advice-"

"In fact, it's just to encourage you to go to another loan to support your loan."

"These salesmen are desperate for profits and do not completely trap you. How much commission can they earn if they have a loan of three or five thousand yuan?"

"When your loan reaches a certain limit, it is the time to see the end of your plan!"

"This is how those news that you borrowed 2,000 yuan and were finally trapped with hundreds of thousands of yuan in debt."

"I was coerced and tempted by others, half persuaded and half deceived, and then I was persistent with the mentality of being lucky. In the end, I was either forced into the sea or collapsed and committed suicide... This is still the news that was reported after the big news. How many people did not report it?"

Perhaps the limelight that had just appeared made Zuo Dashao still float. He suddenly spoke with disdain in his words.

"Hmph! I want me to say that this kind of idiot deserves to be cheated!"

The classroom suddenly became an uproar.

Zuo Zhesheng raised his neck and shouted: "Think about it, our family provides living expenses and pocket money, and normal expenses are enough. Why do we still use the money from campus loans?"

"It's nothing more than eating, drinking, having fun, buying luxury goods to compete, and satisfying your vanity!"

"It's okay to be vanity, but it's so stupid. It's also so fragile... Such a person should be asked to pay IQ tax, and eliminate it as soon as possible soon as possible!"

"Professor Hong also said that students in the Department of Finance are rarely deceived. Since so many people can control themselves, shouldn't that a small number of people pay the price for their own decisions?"

"You know, these are adults, not children!"

Zuo Zhesheng raised his arms and shouted, which really aroused a lot of echoes.

"That's right! How could a normal person get fooled?"

"Something makes sense, I can't understand those who borrow usury anyway."

"If you can be ruined by such things, I don't think you will go to college anymore. It's better to go out to move bricks early!"

"I have long felt that these people are a little mentally retarded. It seems that I am not the only one who thinks..."

A casual example inspired such an unexpected discussion. Hong Cai was very interesting and did not stop everyone's noise and watched without saying a word.

A sudden burst of anger arose in the little fifth brother's heart.

Some things are understandable, but they will have different views from different angles, which is normal.

However, it is understandable that it does not mean that it should be numb.

"Students, classmates!"

Fang Xiaowu looked around, raised his voice slightly, suppressed the noise, and said earnestly: "People are different!"

Everyone calmed down and stared at him in confusion.

Fang Xiaowu reached out and pressed Zuo Zhesheng's shoulder and patted him gently.

"This is Mr. Zuo. His family is rich in clothing and food. He has never been worried about money since he was a child. He has rich social experience, has been exposed to all kinds of religions and has a broad vision, and few people can compare with it."

Zuo Zhesheng smiled proudly, and when he was halfway through his laughter, he realized that the occasion was wrong, and immediately restrained himself.

However, he laughed too early.

Fang Xiaowu looked at him and raised his volume again.

"You are Mr. Zuo, but what about us?"

"How many children from ordinary families have studied hard for ten years in order to get into a good university, turned a blind eye to things outside the window, and have not played with mobile phones or computers in three years in high school?"

"You are receiving the best social education, but how many ordinary students know what social education is?!"

"Our national conditions are here. Our exam-oriented education is seriously lacking in social education!"

"We have been protected too well since childhood. Parents and teachers cultivate our learning ability, moral qualities, artistic aesthetics... But do we know what social sinism is?"

"No, most students don't understand."

"The unpredictable nature of human hearts and the sinister society cannot be recognized by occasionally reading two news on the Internet."

"There are even many students who have never dealt with outsiders when they grow up so old. Their lack of understanding of social common sense is far beyond the imagination of your second generation!"

After being cut by Fang Xiaowu's blade-like gaze, Zuo Zhesheng even felt a faint stinging pain and couldn't help but lower his eyes, not daring to look at him again.

Fang Xiaowu let go of his hand and looked around again.

"Four years in college should be the adaptation period for us to grow and mature slowly, but at this unprepared time, we are deceived, deceived, and bear everything that should not be borne by us, and then we will be ridiculed for being stupid, and that is your justice?"

Zuo Zhesheng loosened his shoulders, his face was hot, his heart was shy and angry, and he muttered in a low voice: "Is it reasonable to be greedy for vanity?"

Fang Xiaowu glanced at him and sneered: "Okay, remove those who are greedy and self-deprecating. How many of them are deceived?"

"Members, seniors, malicious suitors, classmates who ask for help..."
To be continued...