★习总书记的青年消费观

Young people should nurture and practise core socialist values, and guard against wrong ideas such as money worship, hedonism, extreme individualism and historical nihilism. (选自习近平在纪念五四运动100周年大会上的讲话)

阅读下面内容，了解网贷及其危害

★Campus loan (“校园贷”selected from CHINADAILY.com.cn)

Campus loan generally refers to a loan given to a college student on the campus, but it is in essence a private loan. Internet lenders, most of whom areloan sharks (高利贷), offer such loans to students who need the money to meet (满足) their college and other expenses. The demand for such loans is high because it is relatively easy to apply for and receive. But these loans come with high interest rates (利率) and often with collateral security (附属抵押品), which has included naked (裸体的) photographs of female students.

Dangers of campus loan:

1) Personal information leakage (个人信息泄露)

lD card, student card, bank details, information of their contacts...

2) High interest rate (高利率)

3) Loan tricks (贷款骗局)

eg. sign a contract for a huge loan with high overdue charge, but lending them only a small 

amount. In order to avoid the trap laid by illegal campus lenders, the students should limit 

their consumption towhat they really need, increase their financial knowledge and learn 

how to protect themselves using legal means if they fall in trouble even after taking a loan 

to pay for their necessary college expenses.