Dahe News, Dahe Finance Cube reporter Chen Pei

　　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 announced that small loan companies are prohibited from lending to college students.

This means that campus borrowing will be strictly controlled. On March 18th, the topic of #花呗借呗不向大学学生放款# quickly rushed to the top of the hot search.

　　As early as 2009 and 2014, the student credit card business and "campus loan" were halted. However, under strict supervision, relying on Internet finance products such as Huabei, Boraibe, and Baitiao have become the "fragrance" for college students to choose advanced consumption.饽饽", and advanced consumption has caused too many young people to fall into the financial abyss.

Industry insiders told reporters that with the further strengthening of supervision, "cutting off" the channels for college students to consume ahead of time, may allow college students to further return to a rational view of consumption.

　　Supervision overweights, "Flowers and borrowers are not allowed to lend to college students" rushed to the hot search

　　On March 17, the China Banking and Insurance Regulatory Commission and other five departments jointly issued the "Notice on Further Regulating the Supervision and Administration of Internet Consumer Loans for College Students" (hereinafter referred to as the "Notice").

　　It clearly stipulates that small loan companies and non-licensed institutions are prohibited from granting loans to college students; lending institutions’ outsourcing cooperative institutions shall not be allowed to induce unfair means such as false propaganda to induce pre-consumption and excessive borrowing of college students. Lending institutions push and attract college students.

　　As soon as this news came out, it was widely discussed, because according to this regulation, Huabei, Yibei, Baitiao, etc. are all within its scope, and the topic of "Huabei and Jibei cannot lend money to college students" also rushed to the top of the hot search list.

　　"In order to list the live broadcast platform idols, I owe tens of thousands of dollars in online loans", "In order to be beautiful, I would not hesitate to find a few platforms for plastic installment"... In recent years, a variety of online loan platforms have focused on young people’s wallets. In particular, college students once became the "fragrance" of the consumer financial market.

　　As early as 2009 and 2014, the student credit card business and "campus loan" were halted successively. Although the regulatory authorities banned the excessive marketing of financial products, the market was still undercurrent.

　　Investigation: 48 people in a class, 42 people have used consumer financial products such as Huabei

　　"The first time I used Huabei was to buy a high-speed rail ticket for 59.5 yuan." Xiao Meng, a junior in Luoyang City, told reporters that he only started contacting Huabei after he went to university.

He recalled that when he was buying a high-speed rail ticket, he popped up a reminder to activate Huabei and opened it with the attitude of giving it a try.

　　The reporter commissioned a teacher from a college in Luoyang to conduct a random survey of the first and second classes of the school. According to statistics, there are 48 people in this class, 42 of whom have used Huabei. The shortest time and the longest time spent using Huabei are 2 months. It has been more than 2 years.

"Those used for 2 years are actually opened right after they go to university." A student told reporters privately that after going to university, whether it is social or romantic, there is a lot of spending on consumption. For college students who have no source of income, Don't want to lose face on some occasions, Huabei has become a good way of "temporary rescue."

However, with the country's vigorous rectification and publicity in recent years, many students have also realized the harm of advanced consumption.

According to statistics in the class, there are only 12 people who insist on using Huabei, and many students have already chosen to turn off the Huabei function.

　　Suggestion: clarify the amount of your own debt, strive for parents' understanding and early repayment

　　The introduction of the New Deal also made many students worry.

"My Huabei still has more than 6,000 yuan that has not been returned. Now it is instalment. I can repay some of it by living expenses or part-time jobs each month." Xiaomeng told reporters that if the New Deal is introduced, he is worried that he will be forced to pay it all off?

　　The reporter learned that the above-mentioned "Notice" also stated that for the Internet consumer loans that have been issued to college students, one is to require microfinance companies to formulate a rectification plan. In principle, the loans that have been issued will not be extended, and the existing business will be gradually digested, and new business in violation of regulations is strictly prohibited. .

The second is to require banking financial institutions to strengthen investigations, rectify illegal businesses within a time limit, and strictly implement risk management requirements.

　　Regarding this question, a teacher thought: “For college students, it is very difficult for college students to pay off by their own ability. It is recommended that students confess the situation to their parents and ask the family to make up the money first, and then spend it reasonably.” The teacher suggested.

　　The reporter also noticed that the "Notice" also fully took into account the needs of college students for reasonable consumer credit.

The "Notice" stipulates that all banking financial institutions must strictly review their pre-loan qualifications, substantively review and identify college students' identities and real loan uses, comprehensively evaluate college students' credit, income, tax and other information; obtain second repayment capable of repayment The source (parents, guardians or other administrators, etc.) expresses their consent to their loan behavior and is willing to repay written guarantee materials on their behalf, strictly control the credit qualifications of college students.

　　From the perspective of the industry, it attaches great importance to the work of financial services for college students, actively connects with banking financial institutions, unblocks formal campus credit service channels for college students with reasonable needs, and uses “good money” to expel “bad money”, so as to focus on purifying the campus financial market environment .