鄭德幸之死使得大學生網上貸款備受爭議

P2P Internet loans became the vanguard of opinions after a college student from Henan committed suicide after accumulating loans but was unable to repay them.

隨着近日河南一名大學生因無力償還貸款而自殺，P2P網貸被推到了輿論的風口浪尖。

Zheng Dexing died on March 9. The college student from Henan province committed suicide after accumulating loans worth 589,500 yuan ($91,000) to pay for his gambling addiction.

鄭德幸於3月9日去世。這名來自河南省的大學生因賭博累計貸款589500元（摺合美金91000元）之後選擇自殺。

More and more college students are turning to those loans, which are used to travel, go shopping, or start businesses, as online financial services have made it very easy for students to get the loans.

由於在線金融平臺爲學生提供門檻極低的貸款，如今越來越多的大學生選擇此類貸款來旅遊、購物或創業。

Students from more than 50 universities were surveyed by Capital Campus Press Union in January, of the respondents, 63 percent have applied for loans online, 85 percent of which did not want their parents to be involved.

來自50所高校的學生一月份參加了首都高校傳媒聯盟開展的一項調查，63%的學生申請貸款，而其中85%的人不希望他們的父母參與進來。

However, experts point out that college students are immature when it comes to money management and budgeting. Some students are borrowing more money to repay outstanding loans, resulting in a huge strain on their budget.

然而專家指出，大學生在理財、安排開支方面還不成熟，有些學生爲了償還舊債只能再去借款，造成資金緊張。

"Online loans can stimulate consumption," said Li Yuansheng, an economics professor at Fujian Normal University. "College students tend to spend more on digital devices, but lack the spare funds, this is where loans can help."

福建師範大學經濟學教授黎元生表示：“網上貸款可以刺激消費。大學生傾向於在數字設備上花更多的錢，但是卻缺乏資金。這就是貸款可以起作用的地方。”

However, these new lending platforms have run into some legal issues.

然而，這些新型的借貸平臺正在捲入一些法律事件。

Li Yuansheng said, "College students need to understand that loans should only be used for smaller purchases, or else they will struggle. What students truly rely on are their families and schools, not loans."

黎元生教授說道：“大學生需要明白，貸款只能用於較小額度的購買，否則他們將會陷入困境。學生真正依靠的是他們的家庭和學校，而不是貸款。”