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案件层出不穷 警惕学生成为校园贷诈骗实施者

2017-08-14 10:03:39   央广网

2016年至今,假借校园贷实施诈骗的案件层出不穷。为满足个人膨胀的金钱欲望,诈骗者以多种理由和形式骗取大学生的身份信息用于套现,致使上千名大学生无辜背债。又有一部分大学生受利益驱使,在自己遭受损害的同时助纣为虐,发展下线,拉人借款,同时扮演着被骗者和施骗者的双重角色。

近日,名校贷公益发布的《校园贷诈骗数据报告》显示,2016年4月份至今,见诸报端的校园贷诈骗案达41起,涉及全国22个省区市。吉林、江苏、湖南、安徽、山东发生至少4起校园贷诈骗事件,属于该类型案件的高发区域。

至于受骗人数和涉案金额,据不完全统计,有据可查的校园贷诈骗案受骗人数约3679人,涉案金额5496万余元。今年初因轻信“800元能买苹果手机”的谣言,近千名内蒙古大学生陷入校园贷骗局,受骗人数和涉案金额均高于其他案件。

报告显示,诈骗者诱骗大学生借款或分期购物的“借口”五花八门,其中以刷单冲业绩为主,骗取大学生的身份信息用于套现。与其他校园类诈骗不同,校园贷诈骗的实施者49%为学生。

“学生成为校园贷诈骗的实施者,原因有几方面。”名校贷公益有关负责人表示,一是部分学生膨胀的虚荣心,强烈且不计后果的消费欲望;二是部分大学生缺乏务实精神,存在投机取巧的心态,妄图通过捷径迅速走上致富路,不考虑是否会付出道德和法律的代价;三是学生比较了解校园贷平台的操作流程;四是借助“校友”或者“同学”的身份,更易获取学生的信赖。

报告显示,51.22%的大学生陷入校园贷骗局的主要原因是“好处费”的诱惑。一般情况下,帮忙“刷单冲业绩”能获得500元至2000元不等的好处费,加之骗子承诺“钱不用你还”的利益驱使,学生们多为这样的致富方式心存侥幸或抱有幻想。为获取更多“好处费”,部分大学生发展下线,拉拢他人借款,从受骗者变成施骗者。

报告提醒,为防范校园贷诈骗,大学生需要谨记如下内容:一是树立正确消费观;二是在申请借款或分期购物时,要明确是否确有需求;三是为了“好处费”等蝇头小利而使用自己身份信息借款或分期购物,还妄想他人替自己还钱的做法要抵制;四是遇关乎自身信息、财产安全要多方求证,不要轻易相信骗子的一面之词;五是注重信用培养。(钱箐旎)

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