Why said net lending into the campus is "cheating"? -Net credit, college students-IT information

Pupils, students, as its name suggests is mainly to learn. Today, many businesses eyeing not only students, there are a lot of "net loan" institutions or platform coveted campus market.

In fact, if net credits on campus do not properly controlled or supervised, the result cannot have two: first, the insolvent students with large debts, eventually cheating to make parents pay and second, forcing students "new old" into a "revolving loan, compound interest" ultimately overwhelmed select "commit suicide".

Regardless of the outcome, does not differentiate between objects, regardless of use, blind to the ability to pay poor students a lot of loans or frequency of loans or campus network platform in campus or institution, are worthy of attention.

Campus loan hell Subversion-style innovation, or is destructive "drug"?

A few days ago, according to media reports, in the iPhone app store, and campus net credit-related as much as seven or eight kinds of clients: classmates cheer, pomelo, 00 stage, school expense ... ..., loan and in a campus network platforms, journalists enter the loan amount, term of payment, fill out the phone number, will complete the application process.

"Campus loans" or "student network loan" low threshold of astounding, on the one hand, campus lending could to some extent fill the gaps in the student-loan market group, on the other hand, campus lending "zero threshold" model may have many adverse effects for students.

So, for many the "campus loans" or "student loans" online loan services under the banner, what to monitor? And how to avoid, avoid campus credit became a small amount of the repayment ability of poor students advance, overdraft consumption, consuming impulse, and even criminal tools?

The comparison: the student can draw three practices in credit card management

As we all know, loan services for student groups are not completely blank, "Government-led fiscal interest" national student loans, some student credit cards issued by the Bank, were readily available.

It can be said that in school loans, stage music, excellent staging, fun staging the major online loan services before the birth, tuition for students groups and small daily consumption, there has been some appropriate formal loan products.

Among them, as a market-driven, risk-controlled student credit cards, similar to the current Internet loan services in full swing, so, in terms of risk management, marketing and promotion, have a lot of loans is a major network platforms.

In fact, the conditions of any loan origination primary consideration is the borrower′s ability to repay. According to the 17th in general loan provisions promulgated by the people′s Bank of China, the units or individuals to apply for a loan at least six conditions or requirements to be met, among which the first is "repaying capability."

Obviously, in accordance with normal lending requirements, if the borrower is not "repaying" formal commercial banks are not allowed to lend to borrowers.

And so-called "regular debt coupon of capacity", while, is refers to borrowing people I has stable of income source; on the, is is refers to borrowing people borrowing Shi provides has corresponding of guarantees, including guarantees real or guarantor, that Dang borrowing people cannot on time repayment Shi, by Bank recovered its guarantees real or by guarantor bear joint paid responsibility, which, guarantee people General set for borrowing people of parents.

This has obvious characteristics of credit card management, there are more detailed provisions.

From a single user′s credit card number, the CBRC issued the measures for the supervision and administration of commercial bank′s credit card business, the 45th article to the same applicants eligible student credit card issued by the card issuing bank should not exceed two (except for supplementary card).

From student credit card repayment design, 45th in the supervision and administration of commercial bank′s credit card business measures provides that prior to the issuance of student credit cards, card-issuing banks to implement a second source of repayment, made the second payment source (parent, guardian, or other administrators) kindly volunteered to repayment of written material, and confirm the authenticity of the second source of repayment. Prior to improve their credit, card-issuing banks are required to obtain second source of repayment (parent, guardian, or other administrative person) that the written consent and payment guarantee material.

From student credit card marketing, 46th in the supervision and administration of commercial bank′s credit card business measures provides that the issuing bank on the Bank′s website should be publicly disclosed to marketing credit cards to students and educational institutions for the purpose of signing the agreement. Issuing bank at any educational institution of students on campus credit card marketing activities, carry out marketing activities must be the exact location, date, time and activities in advance informed relevant educational institutions and obtaining consent from the educational institution.

Campus network credit: object, purpose, number of lines and platforms you need to control

And credit card management compared, current in full swing of various of "campus loan" or "campus network loan", maximum of risk or hidden has three: one, network loan platform free Yu Bank levy letter system zhiwai, single students can in multiple platform application loan; second, loan threshold low, stimulus, and induced students non-normal consumption or using funds of trend obviously; its three, network loan products promotion free Yu school regulatory, increased has school on students daily learning, and normal life of management difficulty.

It all boils down to is the "campus loans" or "campus NET loan" payable, capital users, distribution lines, and a single user can participate in existing regulatory gaps on a number of platforms.

For student groups, learning is the most important issue during the school, proper consumer demand is a necessary requirement, if by "zero threshold" of the so-called "school loans" or "campus NET loan" stimulate student groups comparing consumption, gambling stocks of the wind, is not conducive to student development, will increase a lot of risks, big risks to the campus and community.

Therefore, in the "campus loans" or "credits on campus network" design, should give priority to the consumer is "tuition, supplemented by consumption", in short, set from the upper limit for loan amount, interest rate, repayment and term shall apply mutatis mutandis to the national student loans, provide loans for students to participate in training and other services.

So far as the nature of shopping loans, you should refer to student credit card management, strictly limited to the same students can participate in the "campus loans" or "campus NET loan" platform or project number, kept within a reasonable amount of consumption, rather than encouraging students ′ consumption, comparing consumption.

Because too much loans, not only has an impact on lender′s money was safe, to student borrowers and families will have a negative impact, especially in student borrowing is too high, insolvency or be "cheating" parents, or ashamed to mention it to their parents or relatives eventually led to the tragedy.

Of course, for a particular student, such as junior and senior students, students with business needs, the major online lending platform you should consider partnering with schools to set up mechanisms, moderate startup funds for student loans.

All in all, regulators want to take students to loan objects of various kinds of "campus loans" or "campus NET loan" platform to strengthen management, avoid blind development, excessive lending to students, parents and the school to bring unnecessary pressure, otherwise, it is easy to put on all kinds of "campus tragedy."

"Campus loans" or "campus NET loan" platform should also strengthen self-discipline, loans for students in other platform deal with the amount of loans and the amount of due diligence, not in order to grab the market, users, regardless of the students ′ ability to pay and free to lend.

Campus loans is good, but docking campuses, students should also be wary.

为啥说网贷进校园就是“坑爹”？ - 网贷,大学生 - IT资讯

学生，学生，顾名思义就是以学习为主。如今，不仅很多商家盯上学生，还有很多“网贷”机构或平台垂涎校园市场。

事实上，如果不对网贷进校园做适当控制或监管的话，其结果无法有二：其一，让无偿还能力的学生背负巨额债务，最终坑爹让父母偿还；其二，逼着学生“借新还旧”陷入“循环贷、利滚利”最终不堪重负选择“轻生”。

不论何种结果，不区分对象、不考虑用途、盲目向偿还能力较差的学生群体大量或高频次发放贷款的校园贷款或校园网贷平台或机构，都是值得警惕的。

校园贷款到底算颠覆式创新，还是破坏性“迷药”？

日前，据媒体报道，在苹果手机的应用商店中，与校园网贷相关的客户端有七八种之多：同学加油、校柚、零零期分期、零用金……，而在某校园网贷平台，记者在输入借款金额、还款期限，填写手机号后，便完成了申请步骤。

“校园贷款”或“学生网贷”门槛之低令人咋舌，一方面，校园贷款可能在一定程度上填补了以学生为群体的贷款市场空白，另一方面，校园贷款“零门槛”模式又可能给学生带来诸多不良影响。

那么，针对很多打着“校园贷款”或“学生贷款”旗号的网络贷款服务，到底该如何监管？又该如何趋利避害，避免校园网贷成为少量还款能力差、消费冲动的学生超前、透支消费甚至违法犯罪的工具呢？

他山之石：学生信用卡管理可借鉴的三大做法

众所周知，针对学生群体的贷款服务并非完全空白，从“政府主导、财政贴息”的国家助学贷款，到部分银行发放的学生型信用卡，一应俱全。

可以说，在名校贷、分期乐、优分期、趣分期等各大网络贷款服务诞生之前，针对学生群体的学费及小额日常消费，已有一些相应的正规贷款产品。

其中，作为市场主导、风险自控的学生型信用卡，与当前如火如荼的网络贷款服务类似，那么，在风险控制、营销推广等方面，是有很多做法值得各大网络贷款平台学习的。

事实上，任何贷款的发放首要考量的条件就是借款人的还款能力。根据中国人民银行发布的《贷款通则》第十七规定，申请贷款的单位或个人至少要满足六项条件或要求，其中居于首位的就是“有按期还本付息的能力”。

显然，按照正常的贷款管理要求，如果借款人没有“按期还本付息的能力”，正规的商业银行是不得向借款人发放贷款的。

而所谓“按期还本付息的能力”，一方面，是指借款人本人有稳定的收入来源；另一方面，则是指借款人借款时提供了相应的担保，包括担保物或保证人，即当借款人无法按时还款时，由银行收回其担保物或由保证人承担连带偿付责任，其中，保证人一般设定为借款人的父母。

对此，具有明显信用贷款特征的信用卡发放管理，则有更为详尽的规定。

从单一用户的信用卡发放数量来看，银监会发布的《商业银行信用卡业务监督管理办法》第四十五条规定，向符合条件的同一申请人核发学生信用卡的发卡银行不得超过两家（附属卡除外）。

从学生信用卡的还款设计来看，《商业银行信用卡业务监督管理办法》第四十五条规定，在发放学生信用卡之前，发卡银行必须落实第二还款来源，取得第二还款来源方（父母、监护人或其他管理人等）愿意代为还款的书面担保材料，并确认第二还款来源方身份的真实性。在提高学生信用卡额度之前，发卡银行必须取得第二还款来源方（父母、监护人或其他管理人等）表示同意并愿意代为还款的书面担保材料。

而从学生型信用卡的营销推广来看，《商业银行信用卡业务监督管理办法》第四十六条规定，发卡银行应当在银行网站上公开披露与教育机构以向学生营销信用卡为目的签订的协议。发卡银行在任何教育机构的校园内向学生开展信用卡营销活动，必须就开展营销活动的具体地点、日期、时间和活动内容提前告知相关教育机构并取得该教育机构的同意。

校园网贷：对象、用途、额度及平台数需控制

与信用卡管理相比，当前如火如荼的各类的“校园贷款”或“校园网贷”，最大的风险或隐患有三：其一，网贷平台游离于央行征信系统之外，单一学生可在多个平台申请贷款；其二，贷款门槛过低，刺激、诱导学生非正常消费或使用资金的趋势明显；其三，网贷产品推广游离于学校监管，增加了学校对学生日常学习、正常生活的管理难度。

归结起来，就是“校园贷款”或“校园网贷”在的发放对象、资金用户、发放额度以及单一用户可参与的平台数量上存在监管空白。

对于学生群体来说，学习才是其上学期间最重要的事项，日常消费需求适当合理是必然要求，如果通过“零门槛”的所谓“校园贷款”或“校园网贷”刺激学生群体形成攀比消费、赌博炒股之风，不仅不利于学生成长，更会增加诸多隐患，给校园和社会带来巨大风险。

因此，在“校园贷款”或“校园网贷”设计上，应优先考虑的消费项目是“学费为主，消费为辅”，简单说，从贷款的上限额度、利息设置、还款方式及期限，应比照国家助学贷款模式，给学生就参加培训等提供贷款服务。

而对于消费购物性质的贷款来说，则应该参照学生信用卡管理模式，严格限定同一学生可参与的“校园贷款”或“校园网贷”平台数量或项目数量，保持在合理消费范围内，而不是鼓励学生超前消费、攀比消费。

因为发放过多贷款，不仅对出借人的资金安全有影响，对借款人的学生及家庭也会有不利影响，尤其是在学生借贷规模过高、无力偿还时，要么是成为“坑爹式”的父母负担，要么羞于向父母、亲友提及最终酿成惨剧。

当然，对于特定阶段的学生，比如大三、大四的学生，有创业需求的学生，各大网络贷款平台则应考虑与学校建立合作机制，适度为学生提供创业启动资金贷款服务。

总之，监管部门要对以学生群体为贷款对象的各类“校园贷款”或“校园网贷”平台加强管理，避免盲目发展、过量放贷给学生、家长及学校带来不必要的压力，否则，很容易上演各类“校园惨剧”。

而各类“校园贷款”或“校园网贷”平台也应加强自律，在贷款发放前对学生已在其他平台办理过贷款的数量及数额等情形做尽职调查，不能为了抢市场、圈用户，不考虑学生的偿还能力而随意发放贷款。

校园贷款虽好，但进入校园、对接学生，还应慎之又慎。