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"裸条"视频网上仍有卖:100元买10G 还可以砍价
可以做到多少额度呢?该业务员回答,“网贷平台5000元以上,信用卡10000元以上,要资质好,信用卡能开到30000元。”
此外,还有不少借贷公司以“套现业务”为主,一位业务员称,“只要有额度,都可以帮助大学生套现,手续费在10%-20%不等。”
>>大学生借贷利息有多高?
1000元每天利息44.5元
信用卡利息的80多倍
周息30%利息有多高?在银行从业多年的周女士分析,“周息30%就意味着,以1000元为例,每周利息30%,每四周利息120%,一年52周,利息1560%,借1000元一年翻为15600元,债务翻了十几倍,平均到每天利息为44.5元左右。和信用卡0.05%的日息相比,借1000元一天的利息为0.5元,一年为182.5元左右。大学生以30%的周息借一年的话,是同等条件下信用卡利息的85倍左右,而以民间借贷2-3%的月息,以3%为例,也是民间借贷利息的43倍。这样的利息远超过人行规定的借贷利率在基准利率浮动4倍以内的规定。”
西安交通大学经济与金融学院教授、博士生导师、金融制度与经济制度研究所所长李富有教授分析,“虽然互联网金融是未来的发展方向,以大学生为目标群体的借贷方式应该引起重视,我们应该在制度建设方面保障大学生群体不陷入借贷的黑洞。但大学生没有经济能力,大学生过早地进如借贷,心理脆弱的大学生,容易受到社会诱惑,一旦陷入高利贷,无法自拔就会引发严重的后果。我们应该保护这个群体,通过教育辅导的方式,引导大学生拥有正确的消费观,理性消费。如果有需要用钱的地方,尽量用正当的方式,有节制地借贷,有计划地换钱。”
责任编辑:高宗影 CN060
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