China News Service, March 24. According to the website of the Ministry of Education, the Ministry of Education held a press conference today to introduce the situation of campus loan risk prevention.
The relevant person in charge of the Ministry of Education stated that he will improve and implement the subsidy policy for college students, so as to make every effort to help and weave the government's "funding network".
In addition, resolutely resist bad campus loans and effectively unblock formal campus credit channels. Colleges and universities should face up to the reasonable credit needs of college students, take the initiative to connect with banking institutions, and cooperate with commercial banks and policy banks to develop and improve the procedures for convenient, reasonable interest rates, and risks. Controllable financial products such as college education assistance, training, and necessary consumption.
On February 24, the China Banking Regulatory Commission and the Ministry of Education jointly issued the "Notice on Further Regulating the Supervision and Administration of College Students’ Internet Consumer Loans" (hereinafter referred to as the "Notice").
The relevant person in charge of the Ministry of Education pointed out that the "Notice" of the five departments further clarified the direction of campus loan risk prevention.
In the next step, the Ministry of Education will continue to work with relevant departments to eliminate blockages, strengthen assistance, and strengthen management, and earnestly implement the requirements of the "Notice" to safeguard the rights and interests of students and the stability of the campus.
Focus on the following aspects of work:
Strengthen the cultivation of college students' correct consumption outlook.
Establishing a scientific and rational consumption concept is the fundamental prerequisite for eliminating bad campus loans.
One is to strengthen education and focus on results.
Supervise and instruct colleges and universities to combine freshmen's enrollment education, daily ideological and political education, safety knowledge competitions, and financial knowledge on campus, vigorously carry out financial knowledge popularization and "financial business" education, and comprehensively guide students to establish correct consumption concepts.
The second is to strengthen propaganda and keep the alarm bells ringing.
In response to the problem of bad campus loans that often change its face and endanger students, especially freshmen, a normalized publicity and education mechanism has been established, and early warnings will be issued regularly during key periods such as the school season to remind students and parents to be wary of telecommunication fraud and all kinds of bad campus loans.
Innovate propaganda methods, and expose various scams of "campus loan" through comics, short videos and other propaganda forms that are easily accepted by college students.
Improve and implement the subsidy policy for college students.
Weaving the government's "funding network" is an important guarantee to prevent college students from getting into bad "online loans".
The first is to implement funding policies and do everything we can to help.
Supervise and guide colleges and universities to ensure that various student funding policies are in place, improve the management level of student funding, and effectively guarantee the tuition, accommodation, and basic living expenses of students from families with financial difficulties.
The second is to carry out emergency assistance and achieve all necessary assistance.
Colleges and universities should improve the relief mechanism for special difficulties, set up special funding funds, provide emergency relief to students whose families have experienced major changes, and solve the students' temporary and emergency funding needs.
The third is to pay attention to developmental needs and do everything you can to help.
Encourage qualified colleges and universities to raise funds through multiple channels, support students to carry out extended learning, innovation and entrepreneurship, etc., to meet the developmental needs of students.
Resolutely resist bad campus loans.
Strictly preventing bad campus loans is a key means to safeguard the rights and interests of college students.
The first is to establish a joint prevention and control mechanism to form a joint force.
Colleges and universities should actively cooperate with the public security departments and financial supervision departments to regularly carry out the work of detecting bad campus loans, accurately crack down on bad campus loans, and safeguard the rights and interests of students.
The second is to establish a daily prevention and control mechanism, and make persistent efforts.
Relevant departments of universities must perform their duties to strictly prevent bad campus loans and publicity and lending on campus, actively mobilize faculty, staff and students to provide clues, and report organizations and individuals that carry out bad campus loans.
The third is to establish a real-time early warning mechanism and put prevention first.
Colleges and universities should promptly issue warnings and reminders of bad campus loans to students in various forms such as phone calls, text messages, the Internet, shop windows, campus broadcasts, etc., so as to build a protective net.
Effectively unblock regular campus credit channels.
Optimizing the campus financial environment is a necessary measure to meet the reasonable demand for consumer loans of college students.
One is to unblock formal credit channels and use “good money” to drive out “bad money”.
Colleges and universities should face up to the reasonable credit needs of college students, take the initiative to connect with banking institutions, and cooperate with commercial banks and policy banks to develop and improve financial products such as college education assistance, training, and necessary consumption with convenient procedures, reasonable interest rates, and controllable risks. The normal learning and living needs of college students.
The second is to strengthen campus credit management and do good things in earnest.
Cooperate with financial regulatory authorities and banking institutions to do the necessary campus credit management work, prevent and resolve potential risks, and earnestly protect and safeguard the rights and interests of students.