Pie or trap? People's daily comments on campus-campus credit loan, net loans, P2P-IT information

Qian Ling from Jiangsu Changzhou University College sophomore, last June, he met Tang XING working in a technology company. Tang XING told Qian Ling, who is working with more than one college student personal installment loan platform, hiring students to do a part-time job, as long as help on the platform "scalping runs", students can easily get paid. Tang XING also said part-time students can sign a waiver beforehand, if not money, part-time students is not liable.

"Make money fast, high income, no risk"-Qian Ling agreed on this "good job", and Tang XING had signed a waiver, and then submitted to the platform name, ID number, school and year information. No more than two days, registration is approved. Qian Ling immediately applied for a 12-month loan in the amount of 10,000 yuan and a monthly interest rate of 0.99%.

After you submit your application, Qian Ling soon received loan platform customer service call. After verifying your information, within half an hour, Qian Ling bank card received a 10,000 yuan, he will borrow to Tang XING, while part-time paid RMB 1000, and was told after payment is not in his possession. But two months later, when Qian Ling got a call from platform urged the repayment of loans, and Tang XING had a cell phone but couldn't get through ... ...

Qian Ling's encounter is not the case. Changzhou City, according to police, among Qian Ling,, there are 10 students of Changzhou Institute of technology and other colleges and universities fall into the trap of Tang Hing.

There have been media reports, msti, Fujian Normal University student, information network with more than 10 students borrowed more than 700,000 yuan, but disappeared; the students kept on receiving notice of a call, life is seriously affected.

Moreover, in addition to outside the campus network and loan fraud, there are some college students to lavishness, at lending network platform to achieve consumption and high consumption significantly exceeds the capacity, with "huge debt".

Irrational consumption concept, protection consciousness of personal credit, net lending platform sprawl is the main reason

In recent years, the Internet lending platform aimed at college students, to P2P lending platforms, campus staging platform and installment of the e-commerce platform forms infiltrate the campus, tranquil ivory tower to become Internet lending platform for the site.

"Many campus lending platform audit vulnerabilities. Some even take a photo ID card, read it, record a video can be approved. This is one of the important causes of credit turmoil on campus network. "Changzhou police investigators told reporters.

But on the other hand, misunderstanding of college money ideas, and also loans cases occur frequently on the University campus one of the most important reasons. Professor of the Central University for nationalities law Deng Jianpeng believes that many college students have not yet formed the right financing concept, lack of awareness of personal information protection, which criminals have a chance.

Deng Jianpeng also said many campus lending platform sprawl, also increases the likelihood of the risk, "they '0 is often used in advertising rates, 0 guarantees, fee-free ' seductive message of borrow and spend to attract customers, as well as campus representatives higher commissions and encouraged agents to blindly expand impulses. Not just for college students, these loans the platform itself, also means a lot of risk. ”

Professionals also believe that consumer credit is a financial tool that is not moral labels. Some smart spending, there are also, through installment loans consumers can ease the financial pressure of disposable, but the key is student loans in affordable range.

Risk should be strengthened, strict lending procedures and approval mechanisms

"Students enjoy financial services beyond reproach, and fast development trend also shows that market demand does exist, but the problem is, campus credits, as an emerging industry, as with most Internet banking platform, also outside the monitor. "A net loan company public relations Director believes that some wild growth, some platform opaque rates, credit is too high, wind control, lax collection irresponsible behavior, such as harsh.

In addition, current problems and also some weak consciousness of University students ' credit, consumption deviation, the urgent need to improve college students ' level of financial knowledge and network security.

"Prevent the campus NET loans and can meet the needs of college students staging shopping, the most important of the regulation should be kept up. "Deng Jianpeng believes that future regulatory policy should be made in the following aspects: first, we must require that Internet banking platform to the students ' special risk, promoting the concept of moderate consumption. Secondly, when assessing creditworthiness and ability to repay, the auditing standards to be applied above the rest of the population.

Recently, the Ministry of education and the China Banking Regulatory Commission jointly issued a notice for more bad credit supervision, warning message to students, and bad borrowing real-time warning system on campus.

Says Huang Zhen, Director of the Institute of the Central University of finance and law, campus lending platform first mode compliance, in order to avoid legal risk. If it is done in the form of P2P, is required by laws and regulations, ensure that their location information intermediaries if loans with their own capital, must be done by regulatory licensing consumer finance company.

Secondly, lending platform should be standardized processes, proper evaluation of college student borrowers, considering its risk-bearing capacity, and ability to repay.

Finally, from an industry perspective, to establish industry-wide risk evaluation system and monitoring system.

馅饼还是陷阱？人民日报评校园网贷 - 校园网贷,网贷,P2P - IT资讯

钱凌是江苏常州大学怀德学院大二学生，去年6月，他认识了在一家科技公司工作的唐兴。唐兴告诉钱凌，他们公司正与多个大学生分期贷款平台合作，招聘学生做兼职，只要帮忙在平台上“刷单跑量”，学生就能轻松获得报酬。唐兴还表示，做兼职的学生事前可以签订一份免责协议，一旦还不起钱，兼职学生不承担责任。

“赚钱快、收入高、无风险”——钱凌便一口答应了这个“好差事”，和唐兴签订了免责协议，然后向平台提交了个人姓名、身份证号、学校和入学年份等信息。没到两天，注册就审核通过了。钱凌立刻申请了12个月期贷款，金额1万元，月利率0.99%。

提交申请后，钱凌很快接到贷款平台的客服电话。核实完信息后，半小时内，钱凌的银行卡就收到了1万元，他随即将借款转给唐兴，同时拿到1000元的兼职报酬，并被告知以后还款的事就不用他管了。但两个月后，当钱凌接到贷款平台催促还款的电话时，唐兴的手机却再也打不通了……

钱凌的遭遇并非个案。据常州警方介绍，除钱凌外，还有常州工学院等高校的10名学生掉入唐兴的陷阱。

曾有媒体报道，福建师范大学闽南科技学院一名学生，用十多个同学的信息网贷了70多万元，自己却消失得无影无踪；同学们则不停地接到催款通知，严重影响学习生活。

此外，除了校园网贷诈骗以外，也有一些大学生为了讲排场，不惜在网络平台借贷来实现超前消费和高消费，有的明显超出了承受能力，背负“巨额债务”。

消费观念不理性、个人信用保护意识淡薄、网贷平台无序扩张等是主因

近年来，互联网借贷平台瞄准了大学生群体，以P2P贷款平台、校园分期购物平台和电商平台的分期付款等形式慢慢渗入校园，宁静的象牙塔成为网络借贷平台争夺的地盘。

“很多校园贷款平台审核存在漏洞。有些甚至举着身份证拍个照，读一段话录个视频就可通过审核。这可能是校园网贷乱象的重要原因之一。”常州警方办案人员告诉记者。

而另一方面，大学生财商观念方面的误区，也是网络贷款案件在大学校园内频繁发生的一个重要原因。中央民族大学法学院教授邓建鹏认为，很多大学生还没有形成正确的理财观念，对个人信息的保护意识也不足，这让不法分子有了可乘之机。

邓建鹏还表示，很多校园贷款平台的无序扩张，也增加了风险产生的可能性，“他们在广告中常常使用‘0利率、0担保、无服务费’等诱人的贷款和消费讯息吸引客户，同时给校园代理人很高的佣金，助长了代理人盲目扩张业务的冲动。这不仅对大学生，对这些贷款平台本身，也意味着很大的风险。”

也有专业人士认为，消费信贷是一种金融工具，并无道德标签。一些理性消费的大学生也不在少数，通过分期贷款消费能减轻一次性消费带来的资金压力，但关键是学生的借贷要在自己可承受范围之内。

应加强风险提示，建立严格的借贷流程和审批机制

“大学生享受金融服务本无可厚非，而且现在快速发展的态势也说明确实存在市场需求，但现在的问题是，校园网贷作为新兴业态，与大多数互联网金融平台一样，还游离于监管之外。”某网贷公司公关负责人认为，一些平台野蛮生长，有些平台存在费率不透明、授信额度过高、风控松懈但催收严酷等不负责任的信贷行为。

此外，目前存在的问题也和当前部分大学生信用意识薄弱，消费观念有偏差有关，亟须提高大学生的金融和网络安全知识水平。

“防范校园网贷的风险又同时能满足大学生分期购的需求，最重要的是监管要跟上。”邓建鹏认为，未来的监管政策应在以下方面着力：首先要规定互联网金融平台一定要对大学生做特别的风险提示，倡导适度消费的理念。其次，在评估信用水平和偿还能力时，要适用高于其他人群的审核标准。

近日，教育部和银监会联合发布通知，要求加大不良网络信贷监管力度，向学生发布预警提示信息，同时建立校园不良网络借贷实时预警机制等。

中央财经大学金融法研究所所长黄震表示，校园网贷平台首先要模式合规，才能避免法律风险。如果是以P2P的形式来做，就要按法律法规所规定的，确保其信息中介的定位；如果是以自有资金放贷，就必须由监管部门颁发牌照的消费金融公司来做。

其次，贷款平台应规范借贷流程，对大学生借款人进行适当的测评，综合考虑其风险承受能力、还款能力等。

最后，从行业角度来说，要建立起全行业的风险测评体系和监控体系。