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published in(发表于) 2013/11/12 11:57:41
“Making law“： students brush online banking an additional 8% fees

"Making law": the students brushed Internet banking charge 8% charge-generation brush online banking, shopping service-IT information "Making law": students brush online banking an additional 8% fees

"With my online banking, they only accept 5% purchase fee. "Recently, a new type of" net purchase "market formed in the middle school students, as many banks do not give 18 (or 16) students under a single handling online bank, the students had to deliver commissions to take cards online shopping. This "market" first in schools around the shop, and spread to students and student organizations. Some secondary school students for the class brush Online Banking Commission, the highest charge 8% fee, earn thousands of dollars a semester.

In this regard, the Board of education and education experts caution that student's online banking still need parental consent and to establish a correct concept of consumption.

Case

Brush online to students for one semester to earn thousands of dollars

"Singles day", the students in a school sophomore Chen Lu, Haidian District, (not his real name) was busy again, looking for brushes online classmates. Due to students needs network silver network purchased of special more, Chen Lu last year in campus in founded has a community called "purchasing social", long-term for students were purchasing--regardless of is boys love of up to model, and game machine, also is girl were like of clothes, and jewelry, no network silver, is and wanted to in cannot cargo to payment of website Shang purchased, he are can with themselves of network silver a a bunch of everyone "pay", but premise is first cross must of cash procedures fee. On this business, Chen Lu last term and save more than 1000 dollars pocket money for himself and gave himself two shirts as gifts.

This kind of "purchasing" services not only Chen Lu founded the student association, since there are age restrictions apply for online banking, many secondary school students tried to bypass the parents to find new approaches to online banking consumer, paying fees for the online market comes into being. Both the students and the school canteen at the door, gray has emerged "buying commissions" to help students without online banking achieved net purchases.

"Online shopping more convenient, sometimes you want to buy a not so easy, such as Hong Kong or Taiwan, an entity bookstores are hard to buy. "Congress high school classmate told Beijing Youth daily reporter, also has many students who will go to the canteen around her personal shopper, is generally convenient," usually don't have much time to take to the streets, got more late night study. There are boarding students have no time to go out, so shopping online is easy. "In addition, there are student cheap. For the boys, and network buying basketball shoes has always been hot, and a pair of blocks of thousands of shoes to seven hundred or eight hundred bucks cheaper, even to pay some fees, they think it was worth it.

Survey

Outside the canteen to provide online banking services

The Haidian District people's Congress middle school at a nearby kiosk, a huge sticker on the door opposite the refrigerator lines "online purchase", "collected goods", next to a large computer is stuck in a pile of orders Taobao interface. Shop owner told the North Green newspaper reporter, they are mainly provided for the students "buy online" service. Process is very simple, the students first to the store with the boss's account log on Taobao, and selected what they wanted after a good shot, and bosses with his online banking help pay out net purchases, registering students shopping information, including time, goods, charging methods, names, telephone numbers, when goods to the shop owner and then one by one, get everyone who's there. According to the boss about that "online purchase" fee free purchase items below 500 Yuan for purchasing costs 10 Yuan/times, 500 Yuan to 20 Yuan/times, the students must get the net purchase price of the item and the service fee in a lump sum to the store.

"Now ' Bachelor ', logistics is slow, I suggest you to buy the day after tomorrow," North Green shop owner told reporters, "have too much to do every day, many students come to residents". Check whether there is any proof of purchase for his classmates, the boss said no. Also, he warns online sent items he does not guarantee the quality, if you have any questions contact online store myself. Through the boss took out a thick "purchasing" record can be seen, this kiosk "purchasing" business should be very good.

Several reporters visited the capital city middle schools found that schools around kiosks, large and small copy shop "online purchase" business, much of that charge a few dollars to dozens of Yuan.

"Purchasing agency" ladder of fees

In addition to campus snack bars, "online purchasing" commissions services spreading among students. Haidian District, a school set up a purchasing also provide "personal shopper" service, students use their online banking payment for people find things on the Internet, when you send items to, purchasing Club members to pick up at the school gate, then the goods kept in the school canteen, notify students to shop for collection.

North green purchasing Director Chen Lu told a press conference, established purchasing is seeing many students who have had that kind of demand, there are no online banking online shopping, so he used his online banking to help you through online shopping, and earn some pocket money by charging fees while exercising their commercial viability.

Stepped fee charges taken the purchasing, classmates online shopping goods less than 100 Yuan charged 8% fee, 5% fee charged 100 Yuan to 500 Yuan, more than 500 charging 3% fees. With more than a school gate, Haidian District "online purchase" shop, purchasing Club fees charged by basic, it has remained at around 10 to 20 Yuan. "Last semester I earned more than 1000 bucks spent earned money and spend their parents ' money feel very different. I've bought two shirts myself as a present. ”

The reasons of

Online shopping commissions due to high school students don't have online banking

Why students don't own net purchases, to let others help with purchasing? Student's answer is that difficult to establish your own online banking among middle school students. "Over the age of 18 to open their own online banking, many students do not meet the age requirements. There's MOM and dad don't let shopping online, "said Chen Lu. Green daily news reporter learned from a number of banks in the North, a high school student can independent banks as long as ID cards, but to launch Internet banking are subject to an age limit. Most banks, less than 16 years of age to open online bank, must be accompanied by guardians offered; ICBC is the more demanding, under 18 years of age must be accompanied by the guardian, and provide proof of guardianship and related documents, shall be opened.

For middle school students, and most of the parents of students online banking are opposed, "online shopping risks, should get things bad quality, or cheated, may occur. Or don't let them independently owned online banking now. "The parents said. Some parents don't allow their children to open online banking was largely due, encourage child consumption of bad ideas, "online shopping hot now, many adults are unable to control their own Internet consumption, not to mention the age of the child, to make their online banking, it is expected to lose control. ”

In addition, through a handling fee for "online purchase", you can also help students to solve another problem, "with MOM and dad usually online shopping, have been asked to buy anything else. But if a store purchase, you don't have to bother. "The text and photo/reporter Lin Yan

Official version

City: online banking for students with parental consent

Municipal official says, the city has never been introduced for middle school students can use online banking regulations. But according to banking regulations, persons under 16 years of age to go through bank cards and online banking need guardian to handle, aged 16 to 18 years of age need to be accompanied by guardians to handle. "This also means that students under 18 years of age do not have their own independent ability to use online banking. "Municipal official says, students under 18 years old if you want to use online banking, you must have parental consent after a. Text/reporter Anso

Experts ' opinions

Students should establish correct consumer awareness

For middle-school students ' "Internet purchasing" zeal and pursuit, Xiong bingqi, Deputy Director of 21st century Education Research Institute believes that students can also understand that such acts of Commission. In his view, this student shopping with parents, students see things parents do not buy, sneak students then pick his pocket money to buy is the same, only now turned into a network of channels. Said Xiong bingqi, a high school student as a minor is not mature, easy excesses of consumption, which is why parents don't give student cards, online banking, Bank nor minors under 16 years of age to go through these business reasons. Xiong bingqi proposed, parents and schools to cultivate the students ' awareness of consumer, ask students to health spending, for parents, students explain, why not give them a card, why not buy some of the things they want to buy and avoid conflicts.

“生财新法”：代学生刷网银收8%手续费 - 代刷网银,代购 - IT资讯
“生财新法”：代学生刷网银收8%手续费

“用我的网银吧，只收5%的代购费。”近来，一种新型的“网络代购”市场在中学生中形成，由于很多银行不给18岁(或16岁)以下的学生单独办理网上银行，学生们只好交付佣金借卡网购。这一“市场”最先在学校周边的小卖部兴起，随后蔓延至学生之间，甚至学生社团。有些中学的学生为同学刷网银收佣金，最高收8%的手续费，一个学期赚了近千元。

对此，教委和教育专家提醒，学生用网银还须父母同意，并树立正确的消费观念。

个案

为同学刷网银一学期赚千元

“光棍节”前，海淀区某学校高二学生路晨(化名)又忙了起来，找他刷网银的同学不少。由于学生需要网银网购的特别多，路晨去年在校园里创办了一个社团叫“代购社”，长期为同学们代购——无论是男生热爱的高达模型、游戏机，还是女孩们喜欢的衣服、饰品，没有网银，却又想在无法货到付款的网站上购买，他都可以用自己的网银一一帮大家“埋单”，但前提是先交一定的现金手续费。靠这个生意，路晨上学期为自己攒了1000多块的零用钱，送给自己两件衬衫当礼物。

这样的“代购”服务并非只限于路晨创办的这个学生社团，由于办理网银有年龄限制，许多中学的学生都设法绕开父母，找到网银消费的新办法，付手续费的网购市场也应运而生。不管是学生之间还是学校门口的小卖部，已出现灰色的“网购佣金”市场，帮助没有网银的学生实现网购。

“网上买东西多方便，有时要买本不太好找的书，比如香港或台湾的，实体书店都不好买。”人大附中一同学告诉北京青年报记者，她周围也有许多同学会去小卖部代购，一般都是图方便，“平时也没多少时间上街，下了晚自习都多晚了。还有寄宿的同学更没有时间出去了，所以在网上购物很方便。”除了方便，还有同学图便宜。对于男生而言，篮球鞋的网络代购一向很火，一双几千块的鞋可以便宜七八百块，即便交一些手续费，他们认为也很值。

调查

校外小卖部大都提供网银服务

在海淀人大附中附近一家小卖部，一进门正对着的冰箱上贴着偌大的两行字“网上代购”、“代收货物”，旁边的一台大电脑正停留在一堆淘宝订单界面。店铺老板告诉北青报记者，他们主要是为学生们提供“网上代购”服务。流程很简单，同学们先到店里用老板的账号登录淘宝，选好想要的东西后拍货，老板用他的网银帮付费完成网购，再登记学生购物的信息，包括时间、物品、收费方式、姓名、电话，等货物送到小卖部时老板再一一通知大家前来领货。据老板介绍，“网上代购”的手续费是购买500元以下的物品收取代购费10元/次，500元以上20元/次，同学们必须先把网购物品的原价和手续费一次付清给店家。

“现在‘光棍节’了，物流慢，建议你后天来这边代购，”小卖部老板告诉北青报记者，“每天都忙不过来，很多学生来代购”。对于是否有代购凭证可供同学们核对，老板表示没有。同时他提醒，网店寄来的物品质量他一概不保证，如果有问题自己再联系网上店家。通过老板拿出的一本厚厚的“代购”记录本可以看出，这家小卖部的“代购”生意应该很不错。

记者走访京城几家中学发现，学校周边都有大大小小的小卖部、复印店有“网上代购”业务，手续费也大多在几元到几十元不等。

校内“代购社”阶梯式收费

除了校园外的小卖部，“网上代购”的佣金服务在学生之间也蔓延开来。海淀区某学校上学期成立的代购社同样提供这样的“代购”服务，学生用自己的网银为大家在网上淘到的东西付款，东西寄到时，代购社的社员去各校门口取货，再将货品存于学校小卖部，通知同学们到小卖部领取。

代购社社长路晨告诉北青报记者，当初成立代购社是看到许多同学有这样的需求，大家没有网银却想网购，所以他用自己的网银帮大家完成网上购物，再通过收取手续费挣点零花钱，同时锻炼自己的商业经营能力。

代购社的收费采取阶梯式手续费，同学们网购的商品低于100元收取8%手续费，100元至500元的收取5%手续费，高于500元的收取3%手续费。与海淀区某学校门口多家“网上代购”的小卖部一样，代购社收取的手续费基本也都维持在10至20元左右。“上学期差不多挣了1000多块钱吧，花自己挣来的钱和花爸妈的钱感觉太不一样了。我给自己买了两件衬衫做礼物。”

探因

网购佣金缘于中学生没网银

为何中学生不自己网购，需要让别人帮忙代购？多位同学给出的答案是，中学生很难有自己的网银。“18岁以上才能开自己的网银，很多同学都达不到年龄要求。还有的是爸妈根本就不让网上购物，”路晨说。北青报记者从多家银行了解到，中学生虽然只要有身份证就可以独立办银行卡，但要开通网银却要受到年龄限制。多数银行表示，要满16周岁才能开网银，否则必须在监护人的陪同下开办；工行则要求更苛刻，规定未满18周岁都必须在监护人的陪同下，同时提供监护关系证明及相关证件，方可开通。

对于中学生而言，多数家长对学生开办网银都持反对意见，“网上购物有风险，万一买到质量不好的东西，或是被骗，都可能会出现。还是不要让他们现在就独立拥有网银。”有家长表示。也有家长不让孩子开网银的原因主要在于，怕助长孩子乱消费的不良观念，“现在网购热啊，许多大人都控制不住自己的网络消费，更何况这个年纪的孩子，要让他们有网银，那估计更控制不住。”

另外，通过交手续费“网上代购”，还可以帮学生们解决另一个麻烦，“平时用爸妈网银买东西，还得被问要买什么。但如果去小卖部代购，就不用那么麻烦了。”文并摄/本报记者林艳

官方说法

市教委：学生用网银须父母同意

市教委相关负责人表示，本市从未出台过对于中学生是否可以使用网银的相关规定。但根据银行的相关规定，16岁以下的人员办理银行卡以及网银需要监护人代为办理，16岁至18岁需要在监护人陪同下办理。“这也意味着，18岁以下的中学生不具有自己独立使用网银的能力。”市教委相关负责人表示，18岁以下中学生如需使用网银，必须在父母同意之后进行。文/本报记者安苏

专家观点

学生应树立正确的消费意识

对于中学生对“网络代购”的热忱和追求，21世纪教育研究院副院长熊丙奇认为，学生的这种佣金行为也可以理解。在他看来，这与家长跟学生逛街，学生看上的东西家长不给买，学生后来拿自己的零用钱偷偷去买是一样的，只不过现在的渠道变成了网络。熊丙奇说，中学生作为未成年人各方面都不算成熟，消费容易无节制，这也是为什么家长不给学生办卡、开网银，银行也不为16岁以下的未成年人办理这些业务的原因。熊丙奇建议，家长和校方要培养学生正确的消费意识，引导学生健康消费，对于家长来说，也要跟学生解释清楚为何不给他们办卡，为何不买某些他们想买的东西，避免矛盾冲突。

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