China News Service, Beijing, March 24 (Reporter Sun Zifa) The Ministry of Education held a press conference in Beijing on the afternoon of the 24th and revealed that in order to promote the implementation of the "Notice on Further Regulating the Supervision and Management of College Students’ Internet Consumer Loans," the Ministry of Education will focus on launching and strengthening Four major measures such as fostering the correct consumption concept of college students, improving and implementing the financial aid policy for college students, resolutely resisting bad campus loan behavior, and effectively unblocking formal campus credit channels, strengthen the prevention of campus loan risks.
Guo Peng, director of the Department of Finance of the Ministry of Education, said that in strengthening the cultivation of college students’ correct consumption concept, one is to supervise and guide colleges and universities to integrate freshman entrance education, daily ideological and political education, safety knowledge competitions, and financial knowledge to enter campuses to vigorously develop financial knowledge. Popularize and "financial quotient" education, and comprehensively guide students to establish correct consumption concepts; second, to address the problem of bad campus loans that often change faces and endanger students, especially freshmen, establish a normalized publicity and education mechanism, and issue regular warning reminders during critical periods such as the school season , To remind students and parents to be wary of telecommunications fraud and all kinds of bad campus loans.
At the same time, innovate propaganda methods to expose various scams of "campus loans".
In terms of improving and implementing the financial aid policy for college students, first, implement the financial aid policy, do what is needed to help, supervise and guide universities to ensure that various student aid policies are implemented, improve the management level of student aid work, and effectively protect the tuition and accommodation of students from families with financial difficulties The second is to carry out emergency assistance and provide all necessary assistance. Colleges and universities must improve the relief mechanism for special difficulties and set up special funding funds to provide emergency assistance to students whose families have undergone major changes to solve the temporary problems of students. The third is to pay attention to developmental needs, do everything you can to help, encourage qualified colleges and universities to raise funds through multiple channels, support students to develop learning, innovation and entrepreneurship, etc., to meet the developmental needs of students.
In terms of resolutely resisting bad campus loans, one is to establish a joint prevention and control mechanism and form a joint force. Colleges and universities should actively cooperate with public security departments and financial supervision departments to regularly carry out bad campus loan screening work, accurately crack down on bad campus loans, and protect the rights and interests of students; second, Establish a daily prevention and control mechanism, and make unremitting efforts. All relevant departments of universities must perform their duties to strictly prevent the publicity and lending of bad campus loans, actively mobilize faculty and students to provide clues, and report organizations and individuals that carry out bad campus loans; Establish a real-time early warning mechanism and take prevention as the first priority. Colleges and universities must promptly release warning messages of bad campus loans to students in various forms such as phone calls, text messages, the Internet, window displays, and campus broadcasts to build a protective net.
In terms of effectively unblocking formal credit channels on campus, one is to unblock formal credit channels and use “good money” to drive out “bad money”. Colleges and universities must 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 be targeted To develop and improve financial products for college education, training, and necessary consumption with convenient procedures, reasonable interest rates, and controllable risks to meet the normal learning and living needs of college students; the second is to strengthen campus credit management and cooperate with financial regulatory authorities and banking institutions. Do the necessary campus credit management work, prevent and resolve potential risks, and earnestly protect and safeguard the rights and interests of students.
It is understood that bad campus loans seriously disrupt the campus environment and market environment, and seriously endanger the safety of students' personal property and social stability.
In order to resolutely curb the phenomenon of Internet platforms accurately "harvesting" college students, and effectively safeguard the legitimate rights and interests of students and campus stability, 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 "Regarding Further Regulations" on February 24 Notice on the Supervision and Administration of Internet Consumption Loans for College Students.
Zhang Wenbin, deputy director of the Department of Ideological and Political Work of the Ministry of Education, pointed out that in the next step, the Ministry of Education will guide local universities to adhere to the symptoms and root causes, improve the long-term mechanism, further strengthen the education of students' financial knowledge, guide students to establish correct consumption concepts, and effectively protect students' rights and interests. And campus stability.
Feng Yan, deputy director of the Inclusive Finance Department of the China Banking and Insurance Regulatory Commission, said that the China Banking and Insurance Regulatory Commission will work with relevant departments to implement the "Notice", actively carry out the investigation and rectification of illegal businesses, and resolutely curb the phenomenon of Internet platforms accurately "harvesting" college students. Protect the legitimate rights and interests of students.
Zhao Yong, deputy general manager of the Consumer Finance Department of Bank of China, said that Bank of China will cooperate more closely with universities to develop targeted financial products for universities with convenient procedures, reasonable interest rates and controllable risks, so as to support the development of students’ ability and be welcomed by students. , Parents are satisfied, society is at ease.
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