University students staging consumption hidden: will trigger the next wave "topless IOU" loans-college student, staging consumer lending-IT information

On campus borrow temporarily "disappeared" after a period of time, all recent consumer platform in stages beginning "occupation" in the campus market, and in fact, staging platform is one of the campus credit "turned". In this regard, the experts say, campus credits this chaotic, from loan payments, security models, business promotion, and for the corresponding norms.

Students become an object of consumption loans aimed at

This year, the loans became a sensation on campus the campus and social media topics. Following a Henan college students due to their inability to repay suicide, "naked credit" after the incident, campus credit temporarily "disappeared" for some time, but recently, the Beijing Youth daily reporter investigation found, began staging platform "occupation" in the campus market. Many industry insiders believe, in fact, staging consumer platform campus credits a "turned". P2P in the regulation draft introduced in the near future, and there is no corresponding provisions against campus credits. Stakeholders believe that, as a new form of financial, campus credit needs to be supervision of chaos phenomena .

Phenomenon: consumption of college students staging fire a

Liu was a sophomore at central nationalities University, opening soon in order to meet the new term, Liu decided to replace accompanied her 3 years old mobile phone, choose to buy a new phone. But the new phone will be a small charge, as no stable source of college students, Liu decided to start spending a month living expenses a sum to purchase. So in business consulting to price brand, asked about the views of friends and family, finally identified his style of mobile phone to buy, and then open the phone, in the staging of Le Mall to find the corresponding type of mobile phone, select the terms of payment, determined terms, click on the buy. A few days after Liu received the coveted new cell phone.

Many students apply for loans to buy things at

Survey University, many students also choose such consumption patterns. College students have always been accepted for new ideas faster groups, staging benefits of consumption patterns make it quickly in groups popular among college students, and College acceptance is high. A College sophomore at Beijing University told the North Green Trainee journalist: "software will be several stages to each of our hostels publicity around a lot of people using it. ”

All: why consumer platform targeting college students by stages?

2009 Bank halted "student credit card" business, Internet financial industry aimed at University students staging a big cake, with the 2013 into public view undergraduates ' consumption in the first stage, then is in rapid development. Starting in 2014, staging platform for college students comes into being, Golden bean stage, stage music and fun stage, the Internet began staging platform "occupation" in the campus market.

Survey shows that staging platform can be divided into consumption of college students staging platform staging and cash platforms. This is due to their stage are not the same, and staging major is shopping kind of consumption, such as stage music and fun stage, and staging major cash is money. Consumption stages which make up the majority on the market, in addition to start-up companies at the consumption stage, East of Beijing and other big companies are also eyeing the field. In January this year, Jingdong Finance launched a student group's Beijing campus of Oriental white--white. And white service on campus is the subdivision of the service, users receive credits of college students in 2000 to 5000 Yuan. Users rely on student cards, ID cards and bank cards by completing and returning in the phone App on the center line. In terms of specific uses, white-user binding cooperation with the East Bank of the credit card.

Other than the Jingdong, Alibaba's Ant-gold service also provided a loan for consumption of products, users can open in the PayPal "flower", access to credit, in Taobao platforms on the "flower" logo of goods the consumer credit can be used to pay for.

Survey: staging shopping discounts with the risk

Investigations revealed that students have a parent as a powerful backing, have a stable living. Many students also have comparisons, sports psychology, consumption became a staging platform goals. The other hand, the consumer platform with various preferential measures in phases, relatively cheaper than bank interest and service charges, and "spending tomorrow's money today's dream" ahead of this consumption pattern in popularity among college students. But this type of App is hot at the same time there are certain risks, in addition to overdue credit crisis, there is more risk of concern.

North Green reported reporter understand to, soon zhiqian, Hebei Baoding a University on has a on network loan platform fraud situation of emergency notification, has claiming to be "staging Le", and "love learn loan", multiple network loan platform of campus agent, in campus within posted advertising, claimed as long as borrowed students card, and ID, personal information purchase Apple phone on can get a pen 100 or hundreds of Yuan of using fee. Campus agents to ensure they will be repaying on schedule. After the success of loan money available, the companies can't, there are already a lot of students cheated.

It is easy to see, due to the related regulations on installment of college students consumption platform lacks specific provisions, University students staging consumer platform there is a lack of barriers to entry and disclosure issues such as transparency, causing consumer platform in stages and other campus credits, all black holes. Just so, when college students in choosing a staging platform for consumer, Northern green newspaper reporter suggested whether companies must first understand the platform behind the formal legal, existed before and see if the company had a bad record, and user rating. Staging shopping should fully understand the costs of goods, payments on a regular basis, but also within our capabilities to suit your choice of goods. Also need to know the requirements of early repayment and refund requirements.

Attention: school loans the urgent need to introduce regulatory measures

Survey, many industry insiders believe, in fact, currently in college students ' Chinese and Japan consumption hot staging platform is a form of "campus loan" risks. Campus loans caught the attention of regulators . So, "campus loan" currently what is a regulation?

Bei Qing reported, several experts told a press conference, campus include both online and offline lending loan, online loans and other lending platform for P2P network, should be regulated by the China Banking Regulatory Commission and other departments; borrowing below the line is bound by the contract law and other laws, should be by the people's Bank of China, the Council, the trade and Industry Bureau, China business sector regulation. However, whether online or offline, and currently does not have specific regulations for school loans, which makes campus loan supervision in a more awkward position.

Not long ago, by the China Banking Regulatory Commission, and the Ministry, the Ministry of public security and national network letter jointly developed the Web credit information agency interim measures for the management of operational activities (evaluation version). The evaluation version of P2P online lending platform for a number of more specific provisions, but does not mention campus credits. On this, has industry people think, the assessment draft is P2P platform of "basic", and campus loan belongs to which body volume is small of a, so and no refinement to campus loan above to; also some think P2P and campus loan does not completely coincide, P2P belongs to personal and personal Zhijian based on network of borrowing relationship, and campus loan most belongs to personal and platform Zhijian of loan relationship, including line Shang and line Xia two species, so in the of assessment draft in the, does not on campus loan has specific specification. However, experts agree that the current campus credit problems do exist, regulate the importance of related departments issued legal documents.

大学生分期消费隐患多：恐怕会引发下一波“裸照借条”贷款 - 大学生,分期消费,借贷 - IT资讯

在校园贷暂时“销声匿迹”一段时间后，近期各类分期消费平台开始“侵占”校园市场，而事实上分期平台是校园贷的一种“变身”。对此，有关专家指出，校园贷如此之乱，应当从贷款的发放方式、担保模式、业务宣传推广方式等来进行相应规范。

学生群体成了消费贷款瞄准的对象

今年以来，校园贷成为轰动校园及社会的舆论话题之一。继河南某高校一名在校大学生因无力偿还跳楼自杀、“裸贷”等事件爆发后，校园贷暂时“销声匿迹”了一段时间，但近期，北京青年报记者调查了解到，各类分期平台开始“侵占”校园市场。多位业内人士认为，事实上，分期消费平台是校园贷的一种“变身”。而在近期出台的P2P监管征求意见稿中，并没有针对校园贷做出相应的规定。多方人士认为，作为一种新兴的金融形式，乱象横生的校园贷亟须监管。

现象：大学生分期消费火了

刘同学是中央民族大学的一名大二学生，马上就要开学了，为了迎接新的学期，刘同学决定换掉陪伴了自己3年的旧手机，选择买一部新手机。但新手机会有一笔不小的开支，作为没有稳定经济来源的大学生，刘同学决定从每月的生活费中支出一笔来分期购买。于是在向营业厅咨询过价格品牌后，又询问了一下家人朋友的意见，最终确定了自己要购买的手机样式，然后打开手机，在分期乐的商城里找到了对应的手机类型，选择好付款期限，确定还款期限，点击购买。几天后刘同学就收到了梦寐以求的新手机。

很多学生为了买东西不惜申请贷款

调查显示，眼下大学里不少同学也选择这样的消费方式。大学生一直都是对于新观念接受较快的群体，分期消费模式的种种优势使得其迅速在大学生群体之间广泛流行，而大学生的接受程度也较高。一位北京某大学在校大二学生告诉北青报实习记者：“好几种分期软件会去我们每个宿舍宣传，周围不少人在用。”

追访：分期消费平台缘何盯上大学生？

2009年银行业叫停了“大学生信用卡”业务，互联网金融行业便瞄上大学生分期这一块大蛋糕，随着2013年首个大学生消费分期进入公众视野，此后更是进入高速发展。2014年起，针对大学生的各类分期平台应运而生，金豆分期、分期乐、趣分期等，互联网分期平台纷纷开始“侵占”校园市场。

调查显示，大学生分期平台可以分为消费分期平台和现金分期平台。这是由于他们分期的特点是不一样的，消费分期主要是购物商品类，如分期乐、趣分期，而现金分期主要是钱。市场上消费分期占很大部分，在消费分期中除了初创公司之外，京东等大公司也盯上了这个领域。今年1月份，京东金融推出了针对大学生群体的京东白条服务——校园白条。而校园白条服务则是该服务的细分，大学生用户获得的信用额度在2000至5000元之间。用户凭借学生证、身份证和银行卡在手机App中线上申请可通过。在具体使用方面，白条用户需要绑定与京东合作的银行信用卡。

除了京东之外，阿里巴巴旗下的蚂蚁金服也提供了借贷消费的产品，用户在支付宝中可以开通“花呗”，获得信用额度，在淘宝平台上有“花呗”标识的商品即可用该项消费信贷来支付。

调查：分期购物优惠与风险同在

调查显示，大学生拥有父母作为强大的后盾，有稳定的生活费。不少大学生还有攀比、炫耀心理，因此成了分期消费平台的目标。另一方面，分期消费平台有各种优惠措施，利息和服务费相对比银行便宜，于是“花明天的钱，圆今天的梦”这种超前的消费方式在大学生中流行开来。但这类App火爆的同时存在一定风险隐患，除了逾期不还的信用危机，还有更加值得关注的风险。

北青报记者了解到，不久之前，河北保定某高校就有一个关于网络贷款平台诈骗情况的紧急通知，有自称“分期乐”、“爱学贷”等多个网络贷款平台的校园代理，在校园内张贴广告，声称只要借用学生证、身份证等个人信息购买苹果手机就可获得一笔一百或几百元的使用费。校园代理商保证他们会如期还贷。可贷款成功后，这个公司却联系不上了，目前已经有不少的同学上当受骗。

不难看出，由于相关监管部门对大学生分期付款消费平台缺乏具体规定，大学生分期消费平台存在缺乏准入门槛以及信息披露公开透明等问题，造成分期消费平台和其他校园贷一样，存在各种黑洞。也正是如此，大学生在选择分期平台进行消费时，北青报记者建议首先要了解平台背后的公司是否正规合法，然后查看公司是否之前存在过不良记录，以及用户的评价。在分期购物时要充分了解商品的费用支出情况，定期还款，同时也要量力而行选择适合自己的商品。还要了解提前还款的要求和退款要求。

关注：校园贷亟须出台监管措施

调查中，多位业内人士认为，事实上，目前在大学生中国和日本渐火热的分期消费平台是一种变相的“校园贷”，风险隐患多。校园贷应引起监管部门的关注。那么，“校园贷”目前处于怎样一种监管中呢？

多名专家告诉北青报记者，目前校园贷包括线上和线下借贷两种方式，线上借贷和其他P2P网贷平台一样，应当接受银监会等部门的监管；线下借贷则受到《合同法》等法律的约束，应当由人民银行、银监会、工商局、中国商务部门共同监管。但是，不论线上还是线下，目前都未有针对校园贷的具体监管条例，这使得校园贷的监管处于一种比较尴尬的境地。

前不久，由银监会、工信部、中国公安部和国家网信办联合制定了《网络借贷信息中介机构业务活动管理暂行办法（评估稿）》。该评估稿中针对P2P网贷平台进行了多项较为具体的规定，但并没有提到校园贷。对此，有业内人士认为，该评估稿是P2P平台的“基本法”，而校园贷属于其中体量很小的一块，因此并没有细化到校园贷上面去；还有的认为P2P和校园贷并不完全重合，P2P属于个人与个人之间基于网络的借贷关系，而校园贷大多属于个人与平台之间的贷款关系，包括线上和线下两种，因此在此次的评估稿中，并未对校园贷有具体规范。但是，专家们一致认为目前的校园贷确实存在诸多问题，亟须相关部门出台法律文件进行规范。