Students cheat? Ministry of education, China Banking Regulatory Commission jointly issued a regulation bad "credits on campus"-school loans, P2P, college student loans, net loans-IT information

On March 9, "liabilities of hundreds of thousands of college students suicide" has produced a message across the network, high interest rates and low threshold, supervision and lack of college loan demonstration and denounces also ferment, and together with the P2P Internet financial typical negative example.

Recently, the Ministry of education and the China Banking Regulatory Commission jointly issued a Declaration on strengthening campus bad debt risk prevention and education work notice (hereinafter referred to as the notice), can refer to official campus loans management advice. But Internet financial for its flexible and hidden of features, risk control and promotion strategy is big degree Shang still depends on Internet financial platform of self constraints, for from students to Internet financial loan of chain weaknesses, notification pointed out that from students education of thought starts with, through close concern campus dynamic, and set right of consumption views and financial security universal, aspects, guide avoid students non-rational loan.

Why are college students?

Lack of formal loan and installment of consumer channels beginning in 2009, the CBRC an across-the-Board ban on minors under the age of 18 applying for a credit card and adult-oriented college student credit card application channels do strict limits, making college students and credit cards out. College students in "minor by default", is still tenable, even on March 9 in suicides by debt for college students, there are still many suicides in discussion will sound as minors without capacity for independent discussion.

In recent years, such rules conflict gradually and spending habits of college students, college students are essentially the financial industry customers, which makes Internet financiers found the opportunity with a good nose. Internet financial company is not a welfare specialist, substantially higher rates are already close to usury, students still are willing to accept such mode of consumption--in that sense, does that mean the campus more reliable than P2P loans to investors, at least not since the thaw and run it?

From the regulation of the education law, is the right solution for you?

"Bad loans", the notice said, in addition to strengthening regulation, disposal of establishing real-time early warning and response mechanism, specific actions will be focused on a campus on the body. "Bad loans" monitoring will be implemented through the school administrative system, instructors and students will oversee the campus "bad loans" plays a key role. What constitutes a "bad loans", the notice does not provide a clear definition of just such description in the preamble:

Bad lending platform using false advertising and lower thresholds, concealing the actual rates and other means, lead student's excessive consumption, or even "usury" trap, violation of students ' legal rights and interests, resulting in adverse effects.

From the financial perspective on the Internet and in recent times has been under strict restrictions on new Internet financial prerequisite for admission, complete supervision of realization of Internet financial difficulties remain. Forthcoming in the near future to thoroughly troubleshoot Internet financial allegedly will be completed in October, until October means bad lending platform-does not refer to campus for student loans, but Ponzi scheme for P2P finance platforms, will face a higher risk of running. Campus credit really willing to lend? They will not run.

But this does not mean that the traditional loan-sharking in the diagnostic troubleshooting. All kinds of sense, now a mixed bag of school loans, how many of these are from the Internet banking? The ads below, can you believe this is an Internet financial masterpiece yet?

Start from education, hoping to reverse the view of consumption and provide financial security to solve the campus credit problems, rather than education, closer to a social problem. Internet speed up the birth of "Sun" life, environment of consumerism, the implementation of conservation-minded cultural environment is a kind of political correctness on campus, but they must face a great deal of resistance rather than risk education might become the focus of broken, universal access to formal financial concepts, understand the reasonable rates and specifications will help identify financial services. But really useful I'm afraid this one sentence:

Promotion on the campus without school approval bad credit business loan platform and personal, for the first time submitted to the financial supervision Department of the local people, the China Banking Regulatory Commission, public security, network letter, the Department prosecuted. In addition, the notice also points out that will strengthen the work of student financial assistance, and cooperation with financial institutions, development banks on campus provides students with free, regular and reasonable interest rates financial lending services.

学生好骗？教育部银监会联合发文整治不良“校园贷” - 校园贷,P2P,大学生贷款,网贷 - IT资讯

3月9日，一则“大学生负债数十万自杀”的消息引爆了整个网络，针对高息、低门槛、监管缺失的大学生校园贷款的论证与声讨也陆续发酵，并与P2P一同成为互联网金融的典型反面教材。

日前，教育部与银监会联合发布《关于加强校园不良网络借贷风险防范和教育引导工作的通知》（以下简称《通知》），正式为校园贷款提供了可参考的管理意见。但互联网金融因其灵活和隐蔽的特点，风险控制与推广策略很大程度上依然取决于互联网金融平台的自我约束，针对从大学生到互联网金融贷款的链条弱点，《通知》指出从大学生教育的思路入手，通过密切关注校园动态、树立正确的消费观与金融安全普及等方面，引导避免大学生非理性贷款。

为什么是大学生？

正规贷款与分期消费渠道的缺失始于2009年，银监会一刀切禁止了18岁以下未成年人申请信用卡，并将面向已成年大学生的信用卡申请渠道做了严格的限制，使得大学生几乎与信用卡无缘。将大学生作“未成年人默认”，至今依然是成立的，甚至在3月9日的大学生负债自杀事件中，依然有不少讨论的声音将自杀者视为没有独立行为能力的未成年人讨论。

近年来，这样的规则逐渐与大学生的消费习惯产生冲突，大学生又是实质上金融行业的优质客户，这让嗅觉灵敏的互联网金融业者发现了可乘之机。互联网金融的公司可不是福利专业户，实质上的高利率已经逼近高利贷，学生们依然愿意接受这种消费方式——在这个意义上，是不是说校园贷反而比P2P对投资者来说更可靠一些，至少不是自融跑路吧？

着重从教育入手整治的《通知》，会是正确的解法吗？

对于“不良网络借贷“，《通知》称除了要加强监管、建立实时预警与应对处置机制以外，将具体的操作重点放在了校园这个本体上。对”不良网络借贷“的监控，将通过学校的行政体系推行，辅导员与学生将在监督校园”不良网络借贷“中起到关键的作用。至于何谓”不良网络借贷“，《通知》并没有提供明确的定义，只是在前言中有这样的描述：

不良网络借贷平台采用虚假宣传的方式和降低贷款门槛、隐瞒实际资费标准等手段，诱导学生过度消费，甚至陷入“高利贷”陷阱，侵犯学生合法权益，造成不良影响。

从互联网金融角度，在近期已严格限制新的互联网金融入场的前提下，实现对现有互联网金融的完全监管也仍有困难。近期即将对互联网金融进行的摸底排查据称将与10月完成，在10月前意味着不良网络借贷平台——不是指针对学生的校园贷们，而是以P2P之名行庞氏骗局的融资平台，将面临更高的跑路风险。至于真正肯放贷的校园贷？他们才不会跑路。

但这并不意味着传统的高利贷也同样在这次的摸底排查之中。各种意义上，现在鱼龙混杂的校园贷款，其中有多少真正是来自互联网金融？比如下面的广告，你可以相信这也是互联网金融的大作吗？

而从教育入手，希望借扭转消费观与普及金融安全来解决校园贷问题，比起教育，更接近一个社会问题。互联网加速催生的“晒”生活，消费主义盛行的环境下，推行崇尚节约的校园文化环境是一种政治正确，但实行起来必然面临的极大的阻力，反而风险教育也许会成为破局的重点，普及正规的金融概念、了解合理的利率与规范会对识别金融服务有所帮助。但真正有用的恐怕还是这一句：

未经学校批准在校园内宣传推广信贷业务的不良网络借贷平台和个人，第一时间报请地方人民政府金融监管部门、各银监局、公安、网信、工信等部门依法处置。除此之外，《通知》还指出，还将加强学生资助工作，并将与金融机构合作，建设发展校园银行为学生提供畅通、正规且利率合理的金融借贷服务。