Recently, the China Banking Regulatory Commission, the Internet Information Office, the Ministry of Education, the Ministry of Public Security and the People's Bank of China issued the Notice on Further Regulating the Supervision and Management of Internet Consumer Loans for College Students (hereinafter referred to as the Notice), prohibiting microfinance companies and unlicensed institutions from issuing loans to college students.
0030 10 prohibits micro-loans and unlicensed institutions from granting loans to college students, from sending information of borrowing students to third-party institutions, and from illegally revealing, exposing or trading information of borrowing students. College students are not allowed to market accurately, and they are not allowed to push and drain college students to lending institutions.
According to industry insiders, some small loan companies account for more than 60% of college students' loans. The "Measures" have an impact on some national Internet small loan companies, but they will also restrict the illegal lending behavior of college students and regulate the campus market.
In recent years, news such as "A student in Guangxi borrowed nearly 10,000 yuan to cure acne", "Many students borrowed to buy apples in installments" and "Aidou officially announced an ultra-high-priced endorsement product today, and many idolized students bought loans" have emerged one after another, and the public has been talking about college students' loans.
Specifically, for microfinance companies, it is necessary to strengthen the substantive verification of the identity of loan customers, not to set college students as the target customer groups of Internet consumer loans, not to target college students in a precise marketing way, and not to issue Internet consumer loans to college students. The outsourcing cooperative institutions of lending institutions shall strengthen customer screening, and shall not use false, misleading or induced publicity to induce college students to consume in advance and borrow excessively, or conduct precise marketing on college students, or push or drain college students to lending institutions.
The Notice on Prohibiting Micro-loans from Lending to College Students is a new regulation of Internet loans after the Notice and the Interim Measures for the Administration of Internet Loans of Commercial Banks.
For banking financial institutions, it is necessary to strictly observe the risk bottom line, prudently carry out college students' Internet consumption loan business, establish and improve appropriate risk management system and early warning mechanism, strengthen pre-loan investigation and evaluation, and attach importance to post-loan management and supervision to ensure that risks are controllable.
For non-licensed institutions, institutions established without the approval of banking supervision departments or local financial supervision departments may not provide credit services for college students.
In addition, for banking financial institutions, the Interim Measures for the Administration of Internet Microfinance allows the development of targeted and differentiated Internet consumer credit products under the premise of controllable risks. Follow the principle of small amount, short term and controllable risk, strictly limit the loan balance of the same borrower and the total business scale of college students' Internet consumption loans, strengthen product marketing management, strictly examine the qualifications of college students, and improve asset quality.
In addition, banking financial institutions and their cooperative institutions are not allowed to carry out accurate online marketing for college students. Offline marketing and publicity activities carried out on campus shall be reported to the supervision department of marketing places in advance, and the specific location, date, time and content of marketing activities shall be informed to relevant educational institutions in advance, and the consent of educational institutions shall be obtained. Marketing activities shall not use deceptive, misleading or induced publicity to induce college students to apply for consumer loans.
The "Notice" also stipulates the common loan modes such as joint loan and loan assistance in Internet loans. It is necessary to strengthen the personal information security protection of college students, establish and strictly implement the rules and regulations to ensure information security, take effective technical measures to properly manage the basic information of college students, and may not send book borrowing information.
It is necessary to strengthen post-loan management to ensure that the flow of loan funds conforms to the provisions of the loan contract; Properly handle overdue loans, standardize collection management, and prohibit any violent collection behavior that interferes with the normal study and life of college students; Grasp the changes of college students' capital flow and credit status in time, improve the response plan, and ensure that the overall business risk of college students' Internet consumer loans is controllable.
The "Notice" requires that on the basis of the previous campus loan rectification work of online lending institutions, all localities should bring lending institutions such as microfinance companies and consumer finance companies into the scope of rectification, and comprehensively use various means such as website monitoring, fund monitoring, on-site inspection and data analysis to further strengthen the supervision, inspection and investigation of college students' Internet consumer loan business. At the same time, increase the investigation and crackdown on illegal lending institutions.
For college students' Internet consumption loans that have been issued, urge small loan companies to formulate rectification plans. Loans that have been issued will not be extended in principle, and the stock business will be gradually digested. It is strictly forbidden to illegally increase new business. Supervise banking financial institutions to strengthen investigation, rectify illegal business within a time limit, and strictly implement risk management requirements. Institutions that refuse to rectify problems or have serious circumstances should be severely punished and severely cracked down, and those suspected of committing crimes should be transferred to judicial organs.
In recent years, consumer finance companies focusing on online exhibition industry have been approved for establishment. Since 2020, China Banking Regulatory Commission has successively approved five consumer finance companies, namely Chongqing Xiaomi Consumer Finance, Beijing Sunshine Consumer Finance, Chongqing Ant Consumer Finance, Yin Su Kaiji Consumer Finance and Weipin Fubon Consumer Finance. In addition, Yin Bei Consumer Finance, Shaanxi Consumer Finance and Yin Hang Consumer Finance all increased their capital.
Previously, the central bank also stated in the Regulations on the Administration of Credit Information Industry that it is not appropriate to expand consumption by developing consumer finance. The central bank also said that in the process of rapid expansion of consumer loans in China, some financial institutions ignored the risks behind consumer finance, and the quality of customers sank significantly, and the problems of multi-head mutual debt and excessive credit were prominent. Since 2020, the non-performing rate of credit cards and consumer loans in some banks has been rising.
Earlier, ants and so on. It has also reduced the number of young people in Huayuan. At the end of 65438+February in 2020, many netizens reported that their flower garden quota was lowered. In absolute terms, most of them are reduced from different quotas to 3000 yuan. Most of the users of this adjustment are young people, and there has been no overdue repayment. In this regard, Ant Group replied that Huayuan is currently adjusting the quota of some young users and advocating more rational consumption habits, but Alipay is still there.
The specific downward adjustment standard and user scope were not disclosed.
The Notice points out that it is necessary to strengthen education, guidance and assistance to students and create a good campus environment.
Including, colleges and universities vigorously carry out financial knowledge popularization education, explain the harm of bad online loans, analyze bad online loan cases such as "idolization", and effectively improve students' awareness of financial security. Strengthen the education of honesty and credit awareness, educate students to provide information truthfully when applying for loans, not to deliberately conceal the identity of students, not to maliciously defraud or default loans, cherish personal credit records, and be alert to the influence of overdue online loans on personal credit information.
In addition, constantly improve the working mechanism of helping and rescuing. It is necessary to ensure that all student financial aid policies are put in place, improve the management level of student financial aid, and effectively protect the affordable needs of students with financial difficulties, such as tuition, accommodation and basic living expenses. We will improve the rescue mechanism for special difficulties, set up special funding funds, provide emergency assistance to students whose families have undergone major changes, and solve their temporary and urgent financial needs. For college students caught in the mud of online lending, we should establish a special mechanism to guide them to solve the problem of online lending in a rational and effective way, strengthen psychological intervention and guidance, educate and guide them to cherish their lives and rationally deal with the difficulties they encounter. Encourage qualified colleges and universities to raise funds through multiple channels, support students to carry out extended learning, innovation and entrepreneurship, and meet the development needs of students.
The "Notice" requires that local public security organs should intensify the investigation and punishment of illegal and criminal activities of college students' Internet consumer loan business, severely crack down on criminal activities carried out by means of routine loans and usury, increase the crackdown on illegal detention, kidnapping, violent collection and other illegal and criminal activities, and crack down on illegal and criminal activities that infringe citizens' personal information according to law.
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