曾经被叫停的校园贷死灰复燃。尽管国家发文规范，任何网络贷款机构都不允许向在校大学生发放贷款，但面对大学生这样一个手中有余钱、心智不够成熟、社会经验又不足的“肥羊”群体，仍有不少人在打着校园贷的主意。

近日，据报道，记者发现闪银、拍拍贷、及贷等平台在国家取缔校园贷之后，仍悄悄从事该业务。在记者测试的平台中，仍从事校园贷的占比超过42%。

其中，闪银平台向学生发放高*贷年化利率高达199.38%，该平台还“发明”了变种砍头息，借1000元，实际只得790元。

而拍拍贷虽提示学生不能借钱，但仍成功下款。借款本金1000元，每期还款105.21元，以IRR公式计算可知，实际上在拍拍贷借款利率为年化45.39%，高于24%的法定利率;及贷则是年利率高达71.56%，还在十分隐蔽的地方搭售保险。

另外，也有不少校园贷以“求职贷”“培训贷”“创业贷”等名称作为替换，继续蒙骗学生。

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