Nonstandard "campus loan" trap: agents false information to mislead students-school loan, student loan, loan trap-IT information
With the rise of Internet financial industries, strapped students but with consumption became a battle for position in the industry. Stage-oriented college students shopping services such as cash and Internet financial services platform since 2014 is explosive growth. At present, the staging platform variety, such as stage music and fun stage, Nono pounds, excellent staging, staging platform is hard to gauge the number of different sizes.
"1 minute limit! 1 hour loan account! "" And enjoy a high quality of life "and other slogans similar to the staging site for many students already familiar. However, so-called "relaxed good" succeed? Some unregulated Internet "campus loan" platform and how to grasp the characteristics of undergraduates ′ consumption, carefully laid trap?
"Interest-free" behind the feline
Wang Jing, Tianjin finance and Economics Institute of the Pearl River, a sophomore at the University. During the Spring Festival this year she′s carrying my parents bought a staging platform has long been the Apple phone. Just got a new phone soon, however, she is totally not quite happy, "you say I′m overpaid, was more expensive than at another staging site 1 time. A 5000 cell phone service charges a year adds up to 1000 Yuan. ”
Wang Jing said, when the stage platform in Festival promotional activities are meant to "one year interest-free", "found no interest, but the service charge for the month 83. Bought a staging with the phone′s classmates told me his cell phone every month interest plus service costs only 50 Yuan. "This time, Wang Jing had a rude awakening, feline in her agreement, did not pay much attention to the" service charge ". "Businesses are doing let us jump, I even avoid the idea of monthly payments. "She said.
"Being lied to! "Talking about purchase experience, Shanxi business school Feng Guang to heart. During his campus to serve as a "campus loan" platform under the regional publicity Manager classmates recommended, purchase a brand notebook computers. Feng Guang told the author, in order not to pay too much interest, had explicitly asked each other before signing the contract, if the prepayment is also used to make money. "He said no, just return the remaining principal and interest for the month and say lines and customer service. I prepared last month prepayment customer service said prepayment to pay 200 Yuan penalty, and must be in repayment day of each month a week in advance apply for repayment. ”
"This agreement varied widely, and 200 liquidated damages equivalent to 3 months worth of interest I practical stages for 3 months, was paid 6 months of interest. "Feng Guang said.
Behind consumption in phases of high interest
Most of them have no independent means of college students, the cost of living come from parents, making them big-ticket consumer more willing to select payment. According to the 2015 University students staging consumer survey report shows that facing up to a certain amount of consumer products in stages by the premise of consumer choice, 61% tend to choose installment of college students consumption, select only 39% disposable.
"In order to compete for student users, a lot of staging sites to spend heavily in marketing. Part of the platform to expand online business, directly in the campus recruitment agents involved in offline promotion and qualification by pulling the head way off the production line in single quantity percentage of performance gain. Because the agent is not a professional, and to quickly upgrade to a single volume, tends to mislead customers, to conceal part of the story. "" Good staging "a platform manager tells the author, now staging website in various forms with different activities on college campuses--promotions, APP promotion, advertisement, and is also a student of part-time agents are everywhere, using the characteristic of college students ′ consumption demand and capacity for marketing campaigns, many college students caught in the staging of the seemingly low price shopping unable to extricate themselves.
Net credit investment platform "net lending House" survey data show that net lending platform most of the loan at an annual interest rate of more than 20%, some staging platform the real annual interest rate of up to 35%. Given the current credit card bill staging periodic repayments of interest rates is around 16%, the Internet platform of financial interest is very high. "A lot of platform does not have a national audit of loan qualification, is a P2P structure. Now the industry is generally cost around 15%, third-party borrowing costs so high, and back-office costs in China, the cost of the platform itself, which all cost will fall on the customer, so staging of certain high interest rates. ”
Insiders said that, in addition to staging of interest rates, most staging platform for liquidated damages is also high, once the overdue payment, require payment of liquidated damages should not be underestimated, "some companies just beginning collection, began after two months of overdue debt repayment beforehand or is primarily aimed at charging high penalty. "According to the Hangzhou City Express reported" schools credits "0.5%/day of collecting overdue amounts as liquidated damages," fun stage "have to be received 1%/days of the loan amount. There are a few small loan company will charge you 8% 7% to the loan amount as liquidated damages.
"Net lending" mess required governance
On June 23, 2015, the Supreme People′s Court issued a judicial interpretation on private lending issue specifically, it provides that the interest rate does not exceed 24%, is protected by law and over 36%, the portion of interest is not protected by law.
Economic law, law school of Renmin University Professor Yang Dong told reporters: "a lot of borrowing interest rate far exceeded the upper limit prescribed by law, this proves that many of the loans issued to students is illegal, contract penalty is too high is not the force of law, the parties can request a court or an arbitration institution involved, be reduced. And in addition to the higher interest rates, some platforms also added service charges, account management, financial management fees and other costs, was publicly cast in disguise ′ usury ′. ”
And for some students in select staging platform and signed contract Shi businesses no told related information even deliberately hide of situation, China consumers interests protection law Institute Deputy Secretary-General Chen Yinjiang said: "Internet financial platform is a emerging consumption mode, national policy is encourages of, but business enterprise must legal, and collection rules, should guarantees consumers informed right, comply with fair trade right, prior no told clear on and consumers produced contract relationship, this violations has consumers of interests. ”
Chen Yinjiang believed that some platforms using students ′ weaknesses such as lack of social experience, personality alone, use verbal forms, even though consumers should therefore prejudiced, but also because there is no evidence, only mediation, rights are not easy.
"Due to the rise in financial markets the Internet, staging platform is not only the sale of goods, also relates to the financial sector. Due to mature supervision, the students ′ rights protection, low industry threshold, causing that pays top academics, uneven mess. "Yang Dong says online lending platform, to form a benign competition in the market will take time.
Chen Yinjiang believes that government financial platform for the Internet should enhance supervision, clear regulatory responsibilities, and improve and refine relevant laws and regulations, supporting a quick complaint channels, for enterprises to improve risk assessment, information disclosure and other mechanisms. College students ′ consumption should be paid attention to in the process saving consumption vouchers, payment records, electronic contract as evidence of the rights, and rational consumption, form a scientific, correct Outlook on consumption, not excessive consumption, especially not blindly.
不规范“校园贷”设陷阱：代理人员虚假宣传误导学生 - 校园贷,大学生贷款,贷款陷阱 - IT资讯
随着互联网金融行业的兴起，手头拮据却充满消费欲的大学生群体成了业内争夺的阵地。面向大学生提供分期购物和现金消费等服务的互联网金融服务平台自2014年以来呈爆发式增长。目前，分期平台五花八门，诸如分期乐、趣分期、诺诺镑客、优分期等规模大小不一的分期平台难计其数。
“1分钟出额度！1小时借款到账！”“轻松享受高品质生活”等类似分期网站的宣传语对于不少大学生来说已经耳熟能详。然而所谓的“轻松美好”是否名副其实？部分不规范的互联网“校园贷”平台，又是如何抓住大学生群体消费特点，精心布下陷阱的呢？
“免息”背后暗藏猫腻
王靖，天津财经大学珠江学院的一名大二学生。今年春节期间她背着父母在某分期平台买下了心仪已久的苹果手机。然而刚拿到新手机不久的她，却完全开心不起来，“同学都说我买贵了，比在别的分期网站贵了一倍。一部5000元的手机，一年的服务费算下来竟要1000元。”
王婧说，当时该分期平台在做春节推广活动，标榜“一年免息”，“后来发现，利息是没有，但每个月要收服务费83元。一个也是分期买了同款手机的同学告诉我，他的手机每个月利息加服务费才50元多。”这时的王婧才如梦初醒，原来猫腻竟在她签协议时并没有太注意的“服务费”上。“感觉商家在做一个局让我们跳，我甚至产生过逃避月付的念头。”她说。
“被骗了！”谈起分期购买的经历，山西工商学院的冯光耿耿于怀。他在校区内一担任某“校园贷”平台区域经理的同学的宣传推荐下，分期购买了一部品牌笔记本电脑。冯光告诉笔者，为了不掏太多利息，在签合同前曾明确地问过对方，如果要提前还款是否还用多交钱。“他说不用，只需把剩下的本金和当月的利息归还，并和客服说一声就行。结果我上个月准备提前还款，客服却说提前还款要再多交200元的违约金，而且必须在每个月还款日提前一周申请变更还款方式。”
“这跟此前的约定大相径庭，而且200元的违约金相当于3个月的利息，我实际分期了3个月，却付了6个月的利息。”冯光说。
分期消费背后的高利息
大学生群体大多不具备独立的经济能力，生活费多来源于父母，这使得他们消费大件商品时更愿意选择分期付。据《2015年大学生分期消费调查报告》显示，面对达到一定金额的消费产品，在具备可分期消费选择的前提下，61%的大学生倾向于选择分期付款进行消费，选择一次性消费的仅占39%。
“为了争夺大学生用户，很多分期类网站都花重金投入营销宣传。部分平台为扩大线下业务，直接在各大校园招募代理，参与线下推广和资质审核，通过拉人头方式发展下线，以单量计算业绩获得提成。由于代理并非专业人员，并且为了快速提升成单量，往往会误导客户，隐瞒部分情况。”“好分期”一平台经理告诉笔者，如今不同的分期网站以各种形式充斥在大学校园——活动促销、APP推广、小广告以及同样是学生的兼职代理等随处可见，利用大学生的消费需求和消费能力的特点进行营销宣传，不少大学生陷入看似低价的分期购物中无法自拔。
据网贷投资理财平台“网贷之家”调查数据显示，网贷平台的多数产品年化借款利率在20%以上，有些分期购物平台的实际年化利率达35%以上。考虑到现在信用卡的账单分期等额本息还款利率在16%左右，互联网金融平台的利息其实很高。“很多平台不具备国家审核的放款资质，都是P2P结构。现在这个行业普遍拿钱成本在15%左右，第三方的借贷成本这么高，还有平台本身的后台成本、从业人员成本等，这所有的成本最后都会落到客户身上，所以分期的利息肯定高。”
有业内人士表示，除了分期的利率，大部分分期平台的违约金也很高，一旦逾期偿还欠款，需要支付的违约金不容小觑，“一些公司刚开始不催款，等逾期一两个月后才开始逼债，主要就是为了收取高额违约金。”根据杭州《都市快报》的报道，“名校贷”收取逾期未还金额的0.5%/天作为违约金，“趣分期”则要收取贷款金额的1%/天。还有少数小贷公司会收取贷款金额7%至8%作为违约金。
“网贷”乱象需治理
2015年6月23日，最高人民法院专门就民间借贷问题出台了司法解释，规定年利率没有超过24%的，受法律保护；超过36%的，超过部分的利息不受法律保护。
中国人民大学法学院经济法学教授杨东告诉笔者：“很多民间借贷的年利率远远超过了法律规定的上限，这证明很多发放给大学生的贷款本来就是违法的，约定的违约金过高也是没有法律效力的，当事人可以请求法院或者仲裁机构介入，予以适当减少。而且除了利率偏高，有些平台还加收服务费、账户管理费、财务管理费等其他费用，被大众质疑是变相‘高利贷’。”
而针对有的学生在选择分期平台和签订合同时商家没有告知相关信息甚至故意隐瞒的情况，中国消费者权益保护法学研究会副秘书长陈音江表示：“互联网金融平台是一种新兴消费模式，国家政策是鼓励的，但是经营企业必须合法、合规，应该保障消费者知情权，遵守公平交易权，事先没有告知清楚就与消费者产生合同关系，这侵犯了消费者的权益。”
陈音江认为一些平台利用大学生欠缺社会经验、个性单纯等弱点，使用口头承诺形式，即便消费者的权益因此受损，也因苦于没有证据，只能调解，维权十分不易。
“由于互联网金融市场兴起，分期平台不只有货物买卖，还涉及金融领域。由于监管不成熟、对大学生的权益保护不够、行业门槛极低，造成泥沙俱下、良莠不齐的乱象。”杨东表示，对于网贷平台，要形成市场的良性竞争需要时间。
陈音江认为，政府对于互联网金融平台应当加强监管，明确监管责任，健全并细化相关法律法规，配套建立快速投诉通道，对企业完善风险评估、信息披露等机制。大学生在消费过程中应注意保存消费凭证、还款记录、电子合同等作为维权证据，同时应当理性消费，形成科学、正确的消费观，不要过度超前消费，特别是不能盲目攀比。