College students bid farewell to Internet consumer loan experts and appeal to the "conscience" of Internet financial institutions
On March 17, the China Banking and Insurance Regulatory Commission, the Central Cyberspace Administration of China, the Ministry of Education, the Ministry of Public Security, and the People’s Bank of China jointly issued the "Notice on Further Regulating the Supervision and Administration of Internet Consumer Loans for College Students" (hereinafter referred to as the "Notice"), clarifying that Loan companies are not allowed to issue consumer loans to college students, and "Huabei" and "Bianbei" can't make loans to college students?
Aroused heated discussion among netizens.
Representatives of the National People's Congress suggest blocking the advance consumption of college students
Receive too many "collection calls" every year
Li Jun, deputy to the National People's Congress and Party Branch Secretary of Xiuyun Village, Baiyi Town, Cangxi County, Sichuan Province, was "very pleased" with the "Notice" jointly issued by the five departments.
In an interview with China Voice's "News Have Views", Li Jun said that he had suggested at the two sessions this year that online lending institutions should not grant loans to school students, and called for the prohibition of credit cards and installments for school students. Financial services for advanced consumption.
"During the two sessions, relevant departments called me to find out the situation and solicit opinions. I didn't expect the policy response to be so fast."
As the secretary of the Party branch in the village, Li Jun has a deep understanding of the dangers of "online loans" and "routine loans".
"My village receives at least ten collection calls a year." These "collection" calls come from various lending institutions. They cannot contact the borrower, so they find the village committee based on the address information left by the lender. Contact the lender's parents.
These parents may not know beforehand, but in order not to affect the reputation of their children, they will try their best to solve the problem regardless of ability.
"(The loan college students) they have no ability to repay, and in the end they are actually paid by their parents."
Regarding the advanced consumption of school students, Li Jun clearly opposes: "I think all the advanced consumption (of school students) should be blocked." At the same time, Li Jun also believes that colleges and universities should offer popular courses in financial management for college students. Consumption is a lifelong matter, and a correct consumption outlook is very important."
Internet finance experts interpret this round of "strict management" policies
The most important thing is that financial institutions have a conscience
Lu Benfu, a professor at the School of Economics and Management of the University of Chinese Academy of Sciences, told The News that the "Notice" issued this time is the response of five departments to the proposal of the deputies of the National People's Congress. "I think this management method is relatively timely."
Lu Benfu summarized the "Notice" as a "1+3" management for college students' consumption loans.
"1" is the basic principle that prohibits various financial institutions from developing special credit products for college students.
"3" refers to specific regulations: first, consumer credit can be issued to college students, but it needs to be reported to the local Banking and Insurance Regulatory Commission for approval, and interest rates need to be controlled; second, the marketing link cannot be targeted for drainage; third, "violent collection" is prohibited after the loan And other illegal collections.
On the issue of managing college students’ credit, Lu Benfu emphasized that the first responsible person is the financial institution that conducts the business. “These institutions must first have a conscience and do these things with a positive attitude.” He believes that the management of financial institutions is regulated. Under the premise of, the problem of college students’ advanced consumption can be solved by market regulation.
In response to the opinion of the National People's Congress deputies that "any advance consumption (of college students) should be blocked", Lu Benfu believes that "a bit absolute", as long as the loan is not squandering, "it can alleviate the urgent need, and the interest rate is not very high, why should it be blocked?" It is said that if college students are not provided with channels for borrowing at all, it will encourage college students to move toward illegal usury, causing more serious consequences.
Research data on consumption of college students shows:
Over 30% can't distinguish whether campus loans are formal or not at all
According to data from Tencent Education-Max's 2020 college students' consumption situation, 33.5% of college students do not know how to distinguish whether the channels for campus loans are formal, and 36.1% of college students said they “know some”.
When talking about the results of the research data, Ma Yan, deputy dean of the Max Research Institute, said that the popularization of consumer loan knowledge is not in place, but the proportion of college students who use consumer loans for advanced consumption is not very high.
"But the base of college students is relatively large, and we can still see that there are quite a few college students (advanced consumption)."
When it comes to the property and financial security of college students, Ma Yan believes that seeking help from the school is the most direct and convenient channel.
Colleges and universities need to take the main responsibility of student management, improve college students' awareness of financial security through daily education and various courses, and guide college students to establish correct consumption concepts.
Reporter丨Wang Xian
Source: Voice of China, China Central Radio and Television Station