Chinanews.com, March 17th. According to the website of the China Banking and Insurance Regulatory Commission, the China Banking and Insurance Regulatory Commission and other five ministries and commissions have recently jointly issued the "Notice on Further Regulating the Supervision and Administration of College Students’ Internet Consumer Loans" (hereinafter referred to as the "Notice") to further regulate the Internet for college students Supervise and manage consumer loans, and earnestly safeguard the legitimate rights and interests of college students.
In response to the recent phenomenon that some Internet financial platforms are targeting university campuses through inductive marketing and issuing Internet consumer loans to induce college students to consume excessively ahead of time, and some students fall into the trap of high loans, the General Office of the China Banking Regulatory Commission and the Secretariat of the Central Cyberspace Affairs Office The General Office of the Ministry of Education, the General Office of the Ministry of Public Security, and the General Office of the People’s Bank of China recently jointly issued the "Notice on Further Regulating the Supervision and Administration of College Students’ Internet Consumer Loans" (hereinafter referred to as the "Notice") to further regulate college students’ Internet consumption from four aspects. Loan supervision and management, and earnestly safeguard the legitimate rights and interests of college students.
——Strengthen the supervision and management of the Internet consumer loan business of college students by lending institutions.
It is clarified that small loan companies shall not issue Internet consumer loans to college students, and further strengthen the risk management of the Internet consumer loan business for college students from licensed financial institutions such as consumer finance companies and commercial banks, and it is clarified that institutions established without the approval of the regulatory authorities shall not provide credit services to college students .
At the same time, organize local deployments to carry out supervision, inspection, investigation and rectification of the Internet consumer loan business for college students.
——Increase the education, guidance and assistance to college students.
In terms of improving the awareness of financial security of college students, improving the working mechanism of assistance and assistance, comprehensively guiding the establishment of correct consumption concepts, and establishing a daily monitoring mechanism, colleges and universities are required to take the main responsibility of student management.
——Do a good job of public opinion interpretation and guidance.
Instruct all localities to do a good job of online interpretation and public opinion guidance on regulating the supervision and management policies of college students’ Internet consumer loans, and actively speak out and clarify the truth about the use of college students’ Internet consumer loans to maliciously speculate and clarify the truth, and jointly create a good public opinion environment.
——Increase the investigation and punishment of illegal crimes.
Instruct local public security agencies to increase the investigation and punishment of illegal and criminal activities in the Internet consumer loan business for college students in accordance with the law, severely crack down on criminal activities carried out by way of routine loans and usury against college students, and increase illegal detentions, kidnappings, violent collections and other illegal and criminal activities We will crack down on illegal and criminal activities that infringe on citizens’ personal information in accordance with the law.
In the next step, the China Banking and Insurance Regulatory Commission will work with relevant departments to implement the "Notice", actively carry out investigation and rectification of illegal businesses, resolutely curb the phenomenon of Internet platforms accurately "harvesting" college students, and earnestly safeguard the legitimate rights and interests of students.