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对话裸贷女生:为获优越感借钱买奢侈品 裸贷2万填窟窿

2017-09-12 07:21:22   中国青年网

眼下正值2017新学年开学时间,新生们带着对大学生活的憧憬走进了校园,“校园贷”话题再次引发社会关注。11日,记者联合扬州工业职业技术学院建工学院“校园贷”社会实践团队共同对校园贷进行了采访调查,解密校园贷的三大套路。

解密校园贷的三大套路

受害人:小青

拆东墙补西墙 过度消费裸贷2万

喜欢奢侈品、化妆品 ……追求这样高档的物质享受,使得扬州某高校的一名大二女学生小青步入了“裸贷”的陷阱。

小青透露,自己穿的衣服,用的化妆品牌,都是高档乃至奢侈品,生活费在同校的女生中算是高的,所以在学生中看上去体面,使得她有了一种优越感,这种优越感使她上瘾。越陷越深的她,生活费已远远满足不了她的胃口,于是她开始使用借贷平台,蚂蚁花呗,蚂蚁借呗这都不算啥,常常入不敷出的她爱上了趣分期、拿去花这些平台。越陷越深的小青一直处于拆了东墙补西墙的的状态,直到有一天她发现没法“填窟窿”时,小青在网友的介绍下接触了裸贷。

“当自己的隐私被曝光在网络之下,被掌握在他人的手里是最恐怖的。”小青透露说,她一直没有告诉家人。她说裸贷是她最后悔的事情,上次裸贷照片被公开也是她最惶恐的一段时间,成了她的梦魇。

受害人:杨晓(化名)

替“兄弟”扛事 分期贷款欠了3万

杨晓在高中毕业后认识了黄某,杨晓毕业后,黄某平时与他称兄道弟,带他出入非法赌场、酒吧KTV等场所,所有的费用都是“大哥”黄某给。

直到有一天黄某和杨晓说,黄某的一个朋友要买一部新的iPhone7,没有学生证,问杨晓借学生证办理校园贷上的手机分期,杨晓觉得作为“兄弟”,平时开销都是黄某大哥承担,也不好意思拒绝黄某的请求,便去办理了校园贷,分期买了一部手机。

黄某拿了手机并没有给所谓的朋友,而是直接用手机套取现金,并且给了杨晓两百块钱好处费。一个月后,杨晓到了手机分期还款的日子,需要还款500余元,联系黄某,让黄某帮其还款,黄某再三找借口说是身上没钱,杨晓只能从自己的生活费中掏出500余元,自行还款。接下来的数月,杨晓都用自己的零花钱、生活费还贷款,每月多次联系黄某, 黄某都未还款。

直到有一天,黄某找到杨晓,对他说:只要你带几个同学出来玩,就可以帮你一次性还掉校园贷的欠款,结果到了现场,黄某与其大哥带了一大帮人不让其走,并且将他们的手机都控制住。杨晓为了不拖累他的同学,只得自己签下了三万余元的欠条。

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