Online lenders set traps often by releasing the daily interest rate for loans. Average daily interest rates range from 0.1 percent to 0.2 percent, which means monthly rates can reach three to six percent. This translates to an annual interest rate of 70 to 140 percent.

网上贷款者往往通过释放贷款每日利息设下陷阱。平均每日利率为0.1%至0.2%，这就意味着月利率可达3%至6%。也就是说，年利率可达70%至140%。

China Construction Bank, and Bank of China in May initiated new consumer loans tailored for university students, 18 years after Chinese banks stopped issuing credit cards and standard consumer loans to students.

在中国的银行停止向学生发行信用卡和标准消费者贷款18年后，中国建设银行和中国银行已经于五月份发起了为大学生定制的新的消费者贷款。

The annual interest rates of the two banks are 5.6 percent and 5 percent respectively. The state-owned banks are expected to cleanse the campus loan market, which has been controlled by private loan sharks, according to analysts.

两家银行的年利率分别为5.6%和5%。据分析人士们介绍，国有银行有望净化被私人高利贷者控制的校园借贷市场。

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