*离2017年考研初试还有197天. 最近各种媒体上关于校园网贷风险的文章很多，看来这个话题在英语写作时要有一定的重视，现将跟这些话题相关的内容组织成文，也许将来有用

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Campus loan has many risks, and some students have serious debt for the online loan.

Nowadays, employees from private companies like to loan the money from the online financing companies. They often ask college students to handle the procedures to make so-called part-time jobs. However, it is dangerous to assume responsibility.

If the loan cannot be paid back, the life and study will be seriously influenced. Some students like to loan the money for excessive consumption, which significantly exceeds their bearing capability.

In recent years, a lot of online loan platforms target the college students, including P2P loan platform, campus instillation shopping platform, and e-business platform.

These platforms have many disadvantages for auditing the qualification of loaning the money. On the other hand, some campus students lack of financing concepts. They do not have the correct financing concepts or the individual information protection sense.

It is important for online loan companies to prompt of the risks of excessive online loans and make serious supervision on the qualification of these loans. They should evaluate the credit level and compensation capability.

Recently, educational departments and financing supervision departments jointly released the notification of reinforcing the supervision of malicious network loans. They send the warning prompt information to the students and established the real-time warning mechanism at campus.

At last, it is important to establish a risk evaluation system and monitoring system for the whole industry.