It should be noted that in June this year, the Notice on Further Strengthening the Standardized Management of Campus Loans jointly issued by the China Banking Regulatory Commission, the Ministry of Education and the Ministry of Human Resources and Social Security required that all online lending institutions should suspend the online loan business for college students at this stage, formulate rectification plans, and specify the withdrawal schedule. Objectively speaking, campus online lending has become a "campus public hazard", which is a step-by-step death for campus online lending and is also self-inflicted.
In fact, for a long time, public opinion has analyzed the reasons for the chaos of campus online loans from the following aspects: First, the industry lacks self-discipline and business innovation deviates from the track; Second, legislation and supervision failed to keep up in time; Third, college students lack self-control ability and financial risk prevention ability.
Then, can the campus be quiet after "no online lending institutions are allowed to issue loans to college students"? I'm afraid not. At least we can't rule out the possibility of individual platforms going underground.
After the campus online loan is completely stopped, there are many things to be done to make the notorious campus online loan stop harassing college students. After all, it should be noted that due to the lack of a stable source of income for college students, campus online loans are often the source of funds for students' excessive consumption.
On the one hand, it is very important for college students to establish a rational consumption concept and a certain sense of financial risk; On the other hand, financial institutions should be encouraged to launch financial service products that are really suitable for college students, or create conditions for college students to obtain certain benefits by virtue of their own abilities to meet their reasonable consumption needs under reasonable and legal circumstances.