Nearly a year after graduation, Zhang Haoyu not only did not find a job, but also took out a loan, repaying 1200,5 yuan a month, which has not yet been repaid. The reporter's investigation found that Zhang Haoyu was not the only job seeker caught in the training loan scam. Some institutions use the gimmicks of "package employment", "high salary" and "refund if you can't find a job" to induce job seekers to borrow money from lending institutions for pre-job training. Many job seekers fall into this trap because they are eager to find a job. (Daily Worker, 29 May)
It is called recruitment training, which is actually lending; Named tutoring graduates to find jobs, it is actually by inducing money in the circle of borrowing... On the Internet complaint platform, complaints about "training loans" emerge endlessly, which shows that it is no longer a new routine, and some graduates not only do not find a job, but also have to repay the loan every month, which can be described as "empty of people and money".
Judging from the report, the similar "training loan" routine is not complicated: the company first falsely claims to recruit, waits for applicants to come to the door to seek employment, and on the grounds of insufficient work experience, it says that it needs to provide paid pre-job training for job seekers, so some graduates who have not yet earned income, under the foolishness, signed a loan with the online loan platform, and the amount is often tens of thousands of yuan.
Under the banner of recruitment and training, doing the business of inducing loans, this trap can trap students, which is nothing more than the fact that graduates are eager to find jobs, and they have just entered the society, are not deeply involved in the world, and have limited economic conditions, so they are easily attracted by unreliable employment promises. From another perspective, newly graduated college students are already relatively weak in the job market and have a weak sense of rights protection, and once they encounter similar "training loans", they will undoubtedly bear a heavy burden.
How to avoid being harvested by "training loans"? Graduates should keep their eyes open, pay attention to identifying employment risks, pay more attention to verifying the qualifications of recruitment companies, but more importantly, give severe crackdowns at the level of industry supervision.
The Labor Contract Law stipulates that when an employer hires a worker, it shall not seize the employee's resident identity card or other documents, and shall not require the employee to provide guarantees or collect property from the employee in other names. In the name of pre-job training, charging training fees from job seekers, and the training content is seriously injected, which in itself is suspected of violating the relevant provisions of the Labor Contract Law.
The chaos of "training loans", illegal fees and illegal training is one of the problems, and the disguised inducing of lending is another problem.
In order to regulate the problem of campus loans, the five departments issued the Notice on Further Regulating the Supervision and Administration of Internet Consumer Loans for College Students, which clearly requires that "institutions established without the approval of the regulatory authorities shall not provide credit services for college students".
"Training loans" are aimed at those who have just graduated from college, which is nothing more than a brush with the edges, and is essentially still a variant of "campus loans". So, should we check whether these platforms that cooperate with training institutions to lend are in compliance with the business and whether they have the corresponding qualifications?
Inducing the application of "training loans" has never been a question of "one willing to fight and one willing to be beaten". Companies that operate "training loans" essentially rely on false propaganda to lure graduates into taking out loans. As another beneficiary of the "training loan", whether the institution issuing the loan has improper interests with the relevant company should also be included in the scope of supervision.
It can be seen that for the "training loan", it is necessary to come up with greater rectification efforts. For example, strengthen the investigation and handling of "training loan" business institutions and lending platforms, strictly enforce the access mechanism for Internet consumer loans, smooth the rights protection reporting mechanism, and restrict recruitment platforms to strictly review the recruitment information of enterprises, and so on.
In short, the current competitive pressure in the job market is greater, and the youth unemployment rate has increased compared to the past, and "training loans" cannot be allowed to become a tool to "cut leeks for graduates".
Xiong Zhi Source: China Youth Daily