Credit turmoil on campus survey: k RMB loan compound interest-campus version of arrears, a university student and loan sharks-IT information
A 8000 "campus credit" within half a year after the loan, repayment of debt, borrowing, and total repayment amount up to more than 80,000 yuan, after one in Zhengzhou "campus credit" dispute of college student committed suicide by jumping down, triggering widespread social concern.
Reporter, Henan, Jiangxi and other universities found that many campus networks increasingly popular loans, lending usury nature of some platforms caused many students to a quagmire.
Thousands of "loans" rolling version of "arrears"
"If social loans entering the campuses were not so easy, for school loan program is not so simple, kill my children are not going to be usurious. "Zheng Xianqiao said. In March of this year, his son, his sophomore xiaozheng due to extremely high "school loan" burden of suicide.
Inform the school, Zheng to pay online gambling and in the light of the debts, borrowed identity information, used by 28 students, respectively, in "all stages", "staging" online platform to purchase high-end cell phones for cash, in "love credit" loans from lending platform, involving total 589,500 Yuan .
Zheng's experience is not alone. Reporters found that "campus loan" in universities as much diversity, universality and high heat. "The money was too easy, the posters will have Internet banking platform QR, sweep will be able to download the APP, enter your ID number, family information, school information, call account in less than an hour. "A sophomore in Jiangxi province Xiao Li recalled the first time lending experience, said.
According to insiders, many online financial lending platform overhead "financing difficulties college students" "support the students micro-entrepreneurship" on behalf of student loan, it is actually doing the "vinegar, sells dog meat" business. Some students who do not have the ability to repay loans, many times under coercion, even into these platforms "offline" through multiple channels such as micro-credit, QQ, paste it, and recommend such loans to students around.
Journalists on a small loan advertisement posted in the campus: "college students ' own financial platforms, unsecured unsecured, with ID card, student card can borrow $ 100 to 50000 Yuan, lending a two-hour". Many ads States: campus recruitment agents for a long time.
Loans into a "bottomless pit"
"Application for facilitating the rapid, simple procedures, lending" banner, many students are attracted to participate in. However, most of these campus Internet lending platform "information audit is not strict, high interest rates, high penalty" characteristics, students can easily fall into the "loan shark" and "serial loan" trap.
"Third-party lending platform is mostly loansharking platform on campus. "Long-term interest" campus credits "long lawyer of Fujian, Henan believes that some third-party lending platform on campus using students ' lack of financial knowledge and personal vanity, drilling regulatory loopholes, legal boundaries and profiteering.
His students hire-purchase electronic products as an example, business costs not charged to student interest, referred to as "service charge", which is actually a form of high interest rates. For example a 4000 phone, students using hire purchase, needs 20% can increase the total amount actually paid.
A practitioner of network staging platform also confirmed to reporters that, this way of hire-purchase of electronic products, by calculating the actual annual interest rates of more than 20%, rather than advertising the so-called monthly interest rate as long as 0.99%.
According to people who worked in the online lending platform, "said network lenders generally do not say that they are lending, saying only that they are e-commerce companies, was actually a stage on behalf of the lending . ”
Cut the "black hand" also needs a multipronged
"The popular third-party loans of the campus in a regulatory platform for a long period of time zone. "Jiangxi provincial public security Department, head of the economic crime investigation department said.
High incidence of "campus loan" cases, in April 2016, the Ministry of education and the China Banking Regulatory Commission jointly issued a circular on strengthening the campus bad debt risk prevention and education work notice, more bad credit daily monitoring, real-time early warning, response handling mechanism.
Notification clearly, universities to set up campuses bad credit daily monitoring mechanisms, joint banking regulatory Bureau and other relevant departments to pay close attention to network expansion of lending business on campus college counselor, teacher, cadre of students to pay close attention to students ' unusual consumption behaviour; to remind the parties risk alerts in a timely manner .
Experts believe that more important Internet lending platform, tightly controlled capital flows channels, ensuring the funds are legitimate use. On one hand, borrowing platform should be a rigorous examination of qualification, raising the loan company's entry, on the limited network of loan interest rates, especially for college students ' network of lending rate cannot be higher than a certain level.
"The current credit system is still not perfect. On the platform should be strengthen supervision, lending platform for student loan qualification more stringent audit, audit for false information false, platform has to bear responsibility. "Yang Dong proposed Vice President of Renmin University of China law school.
校园贷乱象调查：千元贷款利滚利成万元欠款 - 校园,大学生,高利贷 - IT资讯
一笔8000元的“校园贷”债务在半年内经过借款、还款、再借款，最后总还款金额竟高达8万余元，此前郑州一名陷入“校园贷”纠纷的大学生不堪重负跳楼自杀，引发社会广泛关注。
记者深入河南、江西等地的多所高校调查发现，名目繁多的校园网络贷款方式日渐风靡，一些具有高利贷性质的借贷平台令不少学生陷入困局。
千元“贷款”滚成万元“欠款”
“如果社会贷款进入校园没那么容易，办理校园贷款程序没有那么简单，我的孩子也不会被高利贷逼死。”郑先桥说。今年3月，他上大二的儿子小郑因不堪高额“校园贷”重负跳楼自杀。
据校方通报，小郑为偿还网络博彩和炒股欠下的债务，借用、冒用28名同学的身份信息，分别在“人人分期”“优分期”等网络平台购买高档手机用于变现，在“爱学贷”等贷款平台申请贷款，涉及金额共计58.95万元。
小郑的经历并非孤例。记者调查发现，“校园贷”在多地高校呈现多样性、普遍性、热度高等特点。“钱来得实在太容易了，海报上一般都会有互联网金融平台的二维码，扫一下就能下载APP，输入身份证号、家庭信息、学校信息，不到一个小时钱就打到账上了。”江西一名大二学生小李回忆起第一次贷款的经历时说。
据业内人士介绍，许多网上金融借贷平台头顶“资助困难大学生”“支持大学生微创业”等名义给学生借款，实际上却是做着“挂羊头、卖狗肉”的行当。一些实在没有能力还款的学生，在几番威逼利诱下，甚至变成了这些平台的“下线”，通过微信、QQ、贴吧等多种渠道，向身边的同学推荐此类贷款。
记者在一张贴在校园里的小额贷款广告上看到：“大学生自己的专属金融平台，无抵押无担保，凭身份证、学生证可借款100元到50000元，放款只需两小时”。不少广告还注明：长期招聘校园代理。
贷款成了“无底洞”
打着“申请便利、手续简单、放款迅速”的旗号，不少学生被吸引参与。然而，这些校园网络借贷平台大多存在“信息审核不严、高利率、高违约金”的特点，学生容易陷入“高利贷”“连环贷”陷阱。
“第三方校园借贷平台大多是高利贷平台。”长期关注“校园贷”的河南豫龙律师事务所律师付建认为，一些第三方校园借贷平台利用学生金融知识匮乏以及虚荣心态，钻监管的空子，打法律擦边球谋取暴利。
他以学生分期付款购买电子产品为例说明，商家向学生收取的费用不叫利息，而称作“服务费”，这其实就是一种变相的高利息。例如一台4000元的手机，学生使用分期付款方式购买，需要实际支付的总金额能增加20%。
一家网络分期平台的从业者也向记者证实说，这种分期付款购买电子产品的方式，经计算实际年息超过20%，而非宣传广告所谓的的月利率只要0.99%。
据一位在网贷平台工作过的人士透露，“网络借贷公司一般不会说自己是搞贷款的，只称自己是电子商务公司，实际上是以分期的名义放贷。”
斩“黑手”还需多管齐下
“流行于校园内的第三方贷款平台很长一段时间内处于一个监管盲区。”江西省公安厅经济犯罪侦查总队相关负责人表示。
针对高发的“校园贷”案件，2016年4月，教育部和银监会联合下发了《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》，要求加大不良网络借贷日常监测、实时预警、应对处置机制。
通知明确，各高校要建立校园不良网络借贷日常监测机制，联合银监局等相关部门密切关注网络借贷业务在校园内的拓展情况；高校辅导员、班主任、学生骨干队伍要密切关注学生异常消费行为；各方要及时提醒风险，及时预警。
专家认为，更重要的是规范网络借贷平台，严格管控其资金流向渠道，确保资金被合法利用。一方面，应严格审核借贷平台资质，提高贷款公司的准入门槛；另一方面，限制网络贷款的利率，特别是针对大学生的网络借贷利率不能高于一定水平。
“目前信用体系还不完善。有关部门应该对平台加强监管，借贷平台要对大学生贷款资质进行较为严格的审核，对虚假信息审核不实的，平台要承担责任。”中国人民大学法学院副院长杨东建议。