我國超六成大學生使用網絡分期貸款平臺
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.
根據中國青年報報道，我國六成以上的大學生通過互聯網金融服務平臺貸款，大部分的貸款用於購物。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.
這項來自中國高校傳媒聯盟的調查顯示，受訪者中，貸款額度在1000元以下的佔40.7%，1000-2000元的佔40.12%，超過5000元的佔5.23%。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.
在這些借貸人中，超過54%的人每月還款額度爲100-300元。而兼職打工、預支下個月生活費、省吃儉用則是主要的還款來源。
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 . Some promise to issue loans in five seconds with a simple procedure, and some offer loans with interest rate discounts, according to the report.
各種形式的學生貸款提供方大約有100來家，其中包括分期付款購買、P2P網上平臺，還有像電商巨頭阿里巴巴和京東的金融產品。根據報告指出，一些提供方承諾，通過一些簡單的過程，只需5秒就發放貸款。而另外一些提供方則推出貸款利率折扣。The survey shows that 84.86 percent of students are reluctant to provide their parents' phone numbers while applying for loans.
該調查還顯示，當申請貸款的時候，84.86%的學生不願意提供父母的電話號碼。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.
福建師範大學一名名叫張澤銘的大一新生表示，從父母那裏借錢是件很尷尬的事情，所以他使用貸款買了一臺電腦。大多數大學生通過貸款來購買數碼產品、服飾和旅遊。However, Li Hailang of Ningxia University applied for funding for a start-up to sell Liangpi.
不過，寧夏大學的李海浪則是通過借貸開了一家專賣涼皮的小店。The report also warns university students to be prudent in applying for loans, to understand the terms of contracts, and make good repayment plans.
該報告同時也警告道，大學生在申請貸款的時候，要仔細理解合同的條款，制定良好的還款計劃
