校园贷中巨额滞纳金的风险评估——以几类校园贷平台为背景

Risk Assessment of Huge Fine for Delaying Payment in Campus Loan——Based on Several Kinds of Campus Credit Platform

校园贷是为了缓解当代学生强烈的消费欲望与捉襟见肘的经济实力之间矛盾的产物,它给大学生带来了极大便利的同时,其便利背后的高利率与高风险也被忽视了。文章主要以等额本息还款的计算方法计算出借贷平台背后隐藏的真实的年利率;并计算了高额滞纳金的由来;揭穿了商家虚假广告背后的真实风险,为大学生树立正确的金融观念提供了现实依据。

Campus loan is the product of the contradiction between the intense consumption desire of contemporary students and the overstretched economic strength, which brings great convenience to college students, meanwhile, the high interest rates and high risks behind its convenience have also been overlooked. In this paper, the real annual interest rate hidden behind the lending platform is calculated by the calculation method of equivalent principal and interest repayment. The origin of high fine for delaying payment is calculated. It exposes the real risks behind false advertisements and provided practical basis for college students to set up correct financial concepts.