Eversincecollegesstartedtochargethestudentsfortheeducationtheyreceive,therehasalwaysbeenaproblemforsomestudents,especiallyforthosefromremoteruralregions,togetthemoneyforit.Sothegovernmentoffersthemanoptionofborrowingmoneyfrombanks.Surveysshowthatthenumberofstudentsfinancinghiseducationinthiswayisincreasing.
However,somestudents,althoughnotmany,failedtopaybacktheloansastheyhadpromisedinthecontract.Thebankshaveaveryhardtimecopingwiththisproblem.Andthegovernmentcandonothingeffectivetohelpthebanks.
Ithinkthereismorethanonereasonforthis.Dishonestymaybeonebutnotthemajorone.Asisknown,weareexperiencingaparticularphaseofeconomicdevelopmentwherethesupplyofhumanresourcesismuchbiggerthanthedemandforit.Somanystudentsarenotabletofindawell-paidjob.Howcantheypaytheloansback?Tosolvethisproblem,Ithinkthegovernmentshouldmakeeffortstogetthewholeeconomygosmoothly,creatingmorejobopportunities.
Emergingfromthepictureisafunnybutenlighteningscenethatacollegestudentisfallingintothetrapofcampusnetworklending.Thepublicisastonishedbytheuncomfortabletruthrevealedbythiscartoon.Simpleasthepictureis,theauthorintendstoconveymuchmorecomplicatedandprofoundmeaningthanwhatwemaysenseatthefirstglance.
Theauthorsendsusaclearmessageviathisdrawingthatcampusnetworklendinghasbecomeakindofnewfinancialfraud,whichhasseverelydamagedstudents’economicinterestsandcausedtheirpropertylosses.Chinahasexperiencedanincreaseinonlinefraud,particularlyinthefieldofcampusnetworklending,inthepastoneyear,areportpublishedbyonlinesecuritycompany.Reasonsbehindthisphenomenonmaybeasfollows.Inthefirstplace,inourcountry,withtheprogressofinternettechnology,itprovidesaplentyofopportunitiesforsomecompaniestodobusinessoncampus,thegooodfirmaswellasthebadone.Secondly,Allmenarevanity,somestudentscan’tresisttemptationofvanitytopursuitluxuryconsumption,whichisoftenmorethantheycanafford.Whentheycan’taffordthem,theyconstantlyasknetworklendingplatformforhelp,thentheyfallintothetrapofcampusnetworklendingunconsciously.
Situationbeingsoserious,itishightimethatcertainmeasuresofefficiencyweretakentotackletheproblem.Foronething,ourgovernmentshouldstrengthensupervisionandguidanceonthedevelopmentnetworklending.Foranotherthing,thecollegestudentsshouldcultivaterationalconsumptionawareness.OnlyinarationalandhealthyatmospherecanweenjoythebenefitsofInternettotheuttermost.