根据中国青年报报道,我国六成以上的大学生通过互联网金融服务平台贷款,大部分的贷款用于购物。
Over 60 percent of Chinese university students borrow money from online financial services, and most of it is spent on shopping, China Youth Daily reported.
这项来自中国高校传媒联盟的调查显示,受访者中,贷款额度在1000元以下的占40.7%,1000-2000元的占40.12%,超过5000元的占5.23%。
The survey by China University Media Union (CUMU) finds that 40.7 percent of those polled borrow less than 1,000 yuan ($150), 40.12 percent borrow 1,000-2,000 yuan, and 5.23 percent borrow more than 5,000 yuan.
在这些借贷人中,超过54%的人每月还款额度为100-300元。而兼职打工、预支下个月生活费、省吃俭用则是主要的还款来源。
Among the borrowers, over 54 percent pay back 100 to 300 yuan per month. Part-time jobs, early use of the next month's budget and frugality are identified as the major sources of income.
各种形式的学生贷款提供方大约有100来家,其中包括分期付款购买、P2P网上平台,还有像电商巨头阿里巴巴和京东的金融产品。根据报告指出,一些提供方承诺,通过一些简单的过程,只需5秒就发放贷款。而另外一些提供方则推出贷款利率折扣。
There are about 100 providers of student loans in many forms, including installment buying, peer-to-peer (P2P) online platforms, and financial arms of e-commerce giants like Alibaba and JD.com. Some promise to issue loans in five seconds with a simple procedure, and some offer loans with interest rate discounts, according to the report.
该调查还显示,当申请贷款的时候,84.86%的学生不愿意提供父母的电话号码。
The survey shows that 84.86 percent of students are reluctant to provide their parents' phone numbers while applying for loans.
福建师范大学一名名叫张泽铭的大一新生表示,从父母那里借钱是件很尴尬的事情,所以他使用贷款买了一台电脑。大多数大学生通过贷款来购买数码产品、服饰和旅游。
Zhang Zemin, a freshman student at Fujian Normal University, said he felt embarrassed to borrow money from his parents, so he bought a computer with a loan. Most students borrow money to buy digital products, clothes or travel, the survey finds.
不过,宁夏大学的李海浪则是通过借贷开了一家专卖凉皮的小店。
However, Li Hailang of Ningxia University applied for funding for a start-up to sell Liangpi.
该报告同时也警告道,大学生在申请贷款的时候,要仔细理解合同的条款,制定良好的还款计划
The report also warns university students to be prudent in applying for loans, to understand the terms of contracts, and make good repayment plans.