Not long ago, on September 6, the Ministry of Education held a press conference, explicitly mentioning that "campus loan business is prohibited and no online lending institution is allowed to issue loans to college students". Previously, on June 28th, the CBRC, together with the Ministry of Education and Ministry of Human Resources and Social Security, issued the Notice on Further Strengthening the Standardized Management of Campus Loans (Yinfa [2065438+07] No.26, hereinafter referred to as Document No.26), requiring local financial offices and banking regulatory bureaus to further intensify the rectification on the basis of the previous rectification on campus online loan business of online lending institutions. At this stage, all online lending institutions are suspended to carry out online loan business for college students, and the stock business is gradually digested. On the 20th, installment music issued a statement saying that online consumption installment and loans for college students do not mean that they are all illegal campus loans. Staging music is said to be a matchmaking business, and now it has recommended campus loans to banks, not online lending institutions. According to the statement, it can be seen from Circular 26 that licensed financial institutions approved by the CBRC can provide credit services for college students, while other online lending institutions suspend online lending business for college students. Therefore, installment music mall responds to the regulatory requirements and uses its own platform capabilities to help licensed financial institutions "open the front door". No longer recommend the credit needs of users registered as college students to online lending platforms and other lending institutions (such as internet companies) that have not been approved by the CBRC. Instead, based on our accumulated technical advantages and cooperative relationship with licensed financial institutions, according to the user's own conditions, we will recommend the loan demand to banks and other licensed financial institutions recognized by the CBRC, and finally the financial institutions will. As for the licensed financial institutions to which installment music recommended these businesses, the relevant person in charge of installment music told this newspaper that it was mainly banks and licensed consumer finance companies. Staging music once held a partner meeting in March. The newspaper observed that there are indeed some banks among the listed partners, such as Industrial and Commercial Bank of China, Agricultural Bank of China, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Guangfa Bank, Shanghai Bank, China Everbright Bank, Huarui Bank and Wangxin Bank. Staging music said that the platform itself does not provide credit services, and the second is to push the screened user needs to these partners. In June, Staging Music and China Industrial and Commercial Bank jointly developed a campus credit card named "ICBC Staging Music Co-branded Card", and launched offline pilot projects in 9 universities including Nanjing University, Wuhan University, Sun Yat-sen University, Shenzhen University, Sichuan University and Huazhong University of Science and Technology. Co-branded cards can be exempted from all annual fees within the validity period, and the longest interest-free period in the industry is 56 days. Lexin Group, the parent company of installment music, also provided funds for orange financing. When the article asked whether the user's wealth management funds should be used as campus loan products, the relevant person of installment music said that the asset end has been distinguished, and the asset end corresponding to orange wealth management is white-collar installment loans, not campus loans. However, installment music also said in the statement that there are challenges in identifying whether users are college students. "As a national e-commerce service platform, Staging Music Mall is the same as the well-known ant flower garden, borrowing garden and JD.COM white strip. We identify users' identities and risk levels by their age, gender, consumption habits and credit status. However, how to effectively identify whether a user is a college student, we are facing the same challenges as platforms such as Ant Financial and Jingdong Finance, which is also the same problem faced by the financial technology industry. Staging music is also constantly improving the ability to identify users' professional identity. Users who have been identified as college students are recommended to banks and compliant licensed financial institutions to ensure legal and compliant operations. " It was launched in phases in August 20 13. It is the earliest and largest online mall in China. The company is operated by Shenzhen Xiangle Network Technology Co., Ltd. and its shareholder is Shenzhen Xinjie Investment Co., Ltd. According to the information released by the company, the founder Xiao has completed five rounds of financing from its establishment to June 20 16. The scale of Angel Wheel is unknown, with tens of millions of dollars in Round A, 654.38 billion dollars in Round B and 235 million dollars in Round C (led by Huasheng Capital). In April last year, Staged Music launched the brand upgrade strategy, opened the staged music consumption service to white-collar workers, and dissolved the campus promotion team. The installment music clarifies that although there is no illegal campus loan, there is indeed extensive lending on the online lending platform that does not distinguish between student groups. Xue Hongyan, director of the Internet Finance Center of Suning Financial Research Institute, told this newspaper that the main effect of this round of strict supervision of campus loans by the state is that the original offline agent-offline customer acquisition-offline signing mode of campus loans has disappeared, and its influence and scale have shrunk dramatically. "However, any policy has an effective boundary. Once the campus loan business of some platforms returns to the ground from the underground, it will be separated from the management boundary of conventional means to a certain extent. " Related Q&A: What if the installment loan order is closed? The installment loan order has been closed, which means that the user failed to pass the loan review. Closing the order is equivalent to rejecting the user's loan application. At this time, users can consult the customer service of installment music to see why they can't pass the audit. After solving the problem, users can try to apply for staging music again, so the audit results may change. It is not recommended to apply repeatedly in a short time, on the one hand, because the credit qualification conditions will not change in a short time, on the other hand, it is easy to consume personal credit information.
Second, is there any news about the college student loan industry recently?
Hello, college student loans are for college students to accept loans. Now installment loan is a popular consumption mode for college students, and it is more convenient to apply for advanced consumption. Just repay the loan on time after the general loan. I hope I can help you.
Third, college student loans!
Loans can also be made during school and after graduation.