Media: Super 70% respondents were against minor student campus loans-credits on campus network, juvenile, youth-IT information

Beijing Chang Heng Xin Xiaojun, Director of law firm partners, financial advice, courses at schools deal with students, such as financial education and counseling the students there is such potential problems, avoid excesses. Meanwhile, online lending platform to strengthen verification to verify the information, and keep the loan amount. "Like some P2P platforms, students loan amount was 20,000 yuan, in fact, to college students, enough amount of 5000 Yuan, exceeded the limit must be a guardian of security."

An identity card, a student card, even without a signature, you can borrow tens of thousands of Yuan. Henan college students nearly 600,000 yuan in the name of student loans school loans, ultimately unable to repay, desperate jump. People in sports or shocking sorry, can′t help thinking: how many college student loans has come to life on campus? How to supervise the campus net credit?

Last week, China Youth reported Social Survey Center through questionnaire network, on 2000 people for of a items survey displayed, 47.9% of by visit who blunt side students using campus network loan of situation more, 68.7% of by visit who think students needed established rational consumption consciousness, 76.7% of by visit who support on not full 18 age of students ban campus network loan, has full 18 age of students must has second repayment source party of written agreed only can loan.

47.9% respondents say around campus credit of college students

A College sophomore, Jiangxi province, Zhang said in the school′s bulletin board, building the wall, stick with "unsecured, fast to the account, the lowest monthly interest, by the high rate of" online loans ads, "since a student in his class after the network platform to borrow money, there are several ′ Add ′".

Survey 47.9% of respondents said college students around campus credits, which 10.4% of respondents say very much. 35.6% per cent of respondents indicated that they generally, 16.6% of respondents think not much, only 4.4% of respondents said almost nothing.

Chris frequently met with the students to have loans student Advisory Network thing. "Mainly concerned about the reliability of the platform. In addition, interest level, speed is what they care about. "

On the choice of online lending platform, 61.3% per cent of respondents said that they would first consider the creditworthiness of the platform, 53.4% of respondents concerned about loan qualification and approval of Justice. Others include: platform compliance legal (51.5%), the loan amount can be given (46.2%), platform (41.6%).

Beijing Chang Heng Xin Xiaojun, Director of law firm partners, financial believes that loans for college students with good intentions, what happens to you there must be a process, but inevitably some people utilize it for personal gain. For college students, is one of the more simple groups, problem is more on the moral level. "They may not have an idea, how to borrow money, not how to do it. On students ′ moral education in schools is very important and necessary. "

70.1% respondents believed that college students ′ self-control ability

Survey displayed, 70.1% of by visit who said students consumption control capacity weak, 46.9% of by visit who think network loan platform loan qualification audit not strict, 46.1% of by visit who pointed out that network loan platform development not mature, no industry standard, 45.7% of by visit who think students credit consciousness weak, 42.1% of by visit who pointed out that network loan platform lack effective regulatory, 28% of by visit who think network loan platform has malicious loan suspected.

Chris on reporter said, most began learned that has "campus network loan" this channel Shi, many students are is "surprise" of, because can in now consumption capacity zhiwai enjoy to commodity or service, this "ahead of consumption" attract with everyone, "needed additional paid of interest split to each months does not is is high, this is everyone select network loan of reasons one of, think ′ cost ′ does not big".

Zhongguancun Internet finance Research Institute Research Director Guo Dazhi, said college students ′ awareness of credit and financial knowledge is weak. "In fact, not just college students, and general lack of awareness of society as a whole in this regard. Should strengthen the finance and investment, education and guidance to the people, let them know, ′ money ′ is the word. Fair use cannot be exhausted ".

He said, for these special populations, loans should have independent ability to pay different from adults. But now the lending of campus network on the one hand does not distinguish between college students and other groups, on the other hand, the platform do not communicate with each other. "It reflects the credit system is not perfect, and may cause some students to repeat loans, debts eventually, beyond the ability to repay. In addition, should impose strict real-name system, work platforms you want strict. "

When it comes to online lending industry regulation, Guo Dazhi, said the industry without a sound regulatory system, and campus network as a business loan, no supervision does not seem surprising. "The whole reason is that Internet too rapid financial development, causes supporting the regulatory system to keep up. Because finance is the new thing on the Internet that the regulatory system needs and different from previous models, so net lending industry 10, 2-3 years of rapid development and the regulatory system is still only spirit, no rules. ”

Late last year, the CBRC issued the Web credit information agency interim measures for the management of operational activities (draft for soliciting opinions) (hereinafter referred to as the methods). The method defines the concept of borrowing network, clear the regulators for the banking regulatory agency of the State Council, at the same time, follow the "who approved, who control" principle, the local finance office is responsible for risk prevention and management.

68.7% of the respondents believe that students need to build consumer awareness of rational

Earlier, CBRC issued forbidding banks independent credit card issued to the students under the age of 18, to students who have reached the age of 18 credit cards is required by written consent of the parents, the second source of repayment. Investigations revealed that 76.7% per cent of respondents support the campus network management of the loans to follow such rules, 16% respondents did not support.

Xin Xiaojun said, indeed exemplary management to manage campus networks of the credit card loans. "It is never too late, too late", so you can control from the system "if it led to usury, even gangland violence into the campus, the consequences will be terrible."

Network for college students loans, 68.7% per cent of respondents believe that students need to build consumer awareness of rational.

Chris says, from high school into the University, like the "free space", consumption is yearning for many college students, good electronic products, good food and clothing, there will always be people to compare with, "but with limited spending power, after all, online loans provide ′ opportunity ′. ”

In addition, 55.4% respondents consider online lending platform to standardize and strengthen the examination and approval process, 53.3% of respondents recommended strengthening financial literacy education for students in colleges and universities. Else: parents want their children to nip (48.4%), clear body, focus on regulatory responsibilities (41.9%), regulatory rules as soon as possible (27.4%).

Guo Dazhi, said the measures already mentioned in, real names strictly belongs to the platform of the need for strict compliance with system. He also suggested that money uses to manage, to give students real, instead of cash. Meanwhile, college students qualified loans, prevent excessive loan.

Xin Xiaojun recommends that schools deal with students of courses such as financial education and counseling the students there is such potential problems, avoid excesses. Meanwhile, online lending platform to strengthen verification to verify the information, and keep the loan amount. "Like some P2P platforms, students loan amount was 20,000 yuan, in fact, to college students, enough amount of 5000 Yuan, exceeded the limit must be a guardian of security."

媒体：超七成受访者反对未成年学生校园网贷 - 校园网贷,未成年,中青报 - IT资讯

北京倡衡律师事务所合伙人、金融部主任辛晓君建议，学校应对学生展开金融等方面的课程知识教育，并对存在此类潜在问题的学生进行心理辅导，避免过激行为。同时，网络贷款平台需加强资质审核，核实信息，且压低贷款额度。“像某些P2P平台，大学生群体贷款额度是2万元，其实对大学生而言，5000元的额度足够了，超出限额一定需要监护人的担保”。

一张身份证、一本学生证，甚至不用本人签字，就能贷到数万元。河南某大学学生以同学之名贷到了近60万元校园贷款，最终无力偿还，绝望跳楼。让人在震惊惋惜之余，也不禁深思：校园贷款已经进入到多少大学生的生活？应如何对校园网贷进行监管？

上周，中国青年报社会调查中心通过问卷网，对2000人进行的一项调查显示，47.9%的受访者直言身边大学生使用校园网贷的情况多，68.7%的受访者认为学生需建立理性消费意识，76.7%的受访者支持对未满18岁的学生禁止校园网贷，已满18岁的学生须有第二还款来源方的书面同意才可贷款。

47.9%受访者直言身边大学生使用校园网贷的情况多

江西省某高校大二学生张颖表示，在学校的宣传栏、建筑墙上，贴着不少写有“无抵押、快速到账、月利息最低、通过率很高”的网络贷款小广告，“自从班上有位同学在网络平台贷到款后，陆续有几位也‘加入’了”。

调查显示，47.9%的受访者表示身边大学生使用校园网贷的情况多，其中10.4%的受访者直言非常多。35.6%的受访者表示情况一般，16.6%的受访者认为不多，其中仅4.4%的受访者表示几乎没有。

张颖经常碰见有同学向已经贷款的同学咨询网贷的事情。“主要是关心平台的可靠性。此外，利息高低、出款速度也是他们比较在意的”。

在网贷平台的选择上，61.3%的受访者表示会首要考虑平台的信誉程度，53.4%的受访者则关心贷款资质审批的宽严。其他还有：平台是否合规合法(51.5%)，能给予的贷款数额多少(46.2%)，平台出款速度(41.6%)。

北京倡衡律师事务所合伙人、金融部主任辛晓君认为，为大学生提供贷款出发点是好的，事物的发展必然有一个过程，但不可避免一些人利用它来满足私利。而大学生是一个较单纯的群体，出现问题更多是在道德层面上。“他们可能没有一个思想理念，借钱如何还、还不上怎么办。所以学校对学生的道德教育非常重要和必要”。

70.1%受访者认为大学生消费自控能力弱

调查显示，70.1%的受访者表示大学生消费自控能力弱，46.9%的受访者认为网贷平台贷款资质审核不严，46.1%的受访者指出网贷平台发展不成熟，没有行业标准，45.7%的受访者认为大学生信用意识薄弱，42.1%的受访者指出网贷平台缺乏有效监管，28.0%的受访者认为网贷平台有恶意贷款嫌疑。

张颖对记者说，最开始得知有“校园网贷”这个渠道时，不少同学都是“惊喜”的，因为能够在当下消费能力之外享受到商品或服务，这种“提前消费”吸引着大家，“需额外支付的利息平摊到每个月并不显得很高，这也是大家选择网贷的原因之一，认为‘代价’并不大”。

中关村互联网金融研究院研究总监郭大治表示，大学生的信用意识和金融知识很薄弱。“其实不仅仅是大学生，整个社会在这方面的意识普遍缺乏。应该加强对人们投资理财知识的教育和引导，让他们明白，‘借钱要还’是守信用。合理使用不能无止境透支”。

同时他表示，对于大学生这类特殊人群，贷款模式应该与有独立偿还能力的成年人有所区别。但现在校园网络借贷一方面不区别大学生和其他群体，另一方面，平台间相互不沟通。“这从侧面反映了信用体系的不完善，容易导致一些学生重复借款，最终债台高筑，超出偿还能力。此外，还应实行严格的实名制，需平台下功夫严格把关”。

谈到网络借贷行业的监管问题，郭大治表示，整个行业都没有健全的监管体系，而校园网贷作为子业务，没有监管就不显得意外了。“整体原因在于，互联网金融发展太过迅猛，导致配套的监管体系跟不上。由于互联网金融是新生事物，监管体系也需要和以往的模式有所区别，因此网贷行业产生10年，快速发展了2到3年，而监管体系仍然只有精神，没有细则。”

去年底，银监会发布了《网络借贷信息中介机构业务活动管理暂行办法(征求意见稿)》(以下简称《办法》)。该《办法》界定了网络借贷的概念，明确了监管方为国务院银行业监督管理机构，同时，遵循“谁审批、谁监管”的原则，由地方金融办负责风险防范与处置。

68.7%受访者认为学生需建立理性消费意识

此前，银监会曾发文禁止银行向未满18岁的学生发放独立信用卡，给已满18岁的学生发卡，需要经由父母等第二还款来源方的书面同意。调查显示，有76.7%的受访者支持对校园网贷管理效仿此类规定，16.0%的受访者不支持。

辛晓君表示，确实可效仿管理信用卡的方式来管理校园网贷。“亡羊补牢，为时不晚”，这样可以从制度上克制，“若引发高利贷、甚至黑社会暴力进入校园，后果会更可怕”。

针对大学生网络贷款，68.7%的受访者认为学生需建立理性消费意识。

张颖表示，从高中步入大学，像是有了“自由发挥的空间”，大学生对许多消费充满了向往，好的电子产品、好的吃穿，都会有人去攀比，“但消费能力毕竟有限，网络贷款给大家提供了‘机会’。”

此外，55.4%的受访者认为网贷平台应规范并加强审批流程，53.3%的受访者建议高校加强对学生的金融知识教育。其他还有：家长需掌握孩子情况，防患于未然(48.4%)；明确监管主体，集中监管职责(41.9%)；监管细则尽快出台(27.4%)。

郭大治表示，《办法》中已经提到，严格实名制属于平台需严格遵守的制度之一。他还建议，资金的使用用途也要有管理，尽量给学生实物，而不要发现金。同时，对大学生群体限定贷款额度，防止过大的贷款额。

辛晓君建议，学校应对学生展开金融等方面的课程知识教育，并对存在此类潜在问题的学生进行心理辅导，避免过激行为。同时，网络贷款平台需加强资质审核，核实信息，且压低贷款额度。“像某些P2P平台，大学生群体贷款额度是2万元，其实对大学生而言，5000元的额度足够了，超出限额一定需要监护人的担保”。