Five ministries and commissions regulate college students' use of Internet consumer loans. As soon as this news came out, many parents applauded, because there are really too many students with poor self-control ability. If they are allowed to use online consumer loans, they will also develop some bad habits. So what announcements have been issued by the five ministries?
The Notice clarifies that microfinance companies are not allowed to issue Internet consumer loans to college students, further strengthens the risk management of Internet consumer loans to college students by licensed financial institutions such as consumer finance companies and commercial banks, and clarifies that institutions established without the approval of regulatory authorities are not allowed to provide credit services to college students. At the same time, organize all localities to deploy and carry out supervision, inspection, investigation and rectification of college students' Internet consumer loan business.
Some online loans are aimed at students, but the high interest rate is an announcement issued by five ministries. In this announcement, we can also see that the state has also cracked down on college students' use of online consumer loans. On the Internet, there are some online lending platforms for college students. Students only need to provide a student ID card to get a loan. The loan procedure is simple, but the interest rate is insanely high. If you borrow 1000 and repay it in six installments, the interest may be 300 yuan? It's 500 yuan. Students themselves have no source of income. Isn't this kind of consumer company cheating students?
Students' consumption concept should also be changed. If you use online loans, it is easy to enter a vicious circle. Now let's talk about students' consumption view. They all have a mentality of pursuing luxury goods and comparing with others. And this kind of psychology will lead them to spend in advance, and the family will give 2,000 yuan a month for living expenses, but it will cost them 1500 yuan to buy a pair of shoes. How do they spend the rest of their lives? They only use flowers and borrow flowers every month, and it is easy to enter a vicious circle. If they don't pay the money in a month, they will find other platforms to borrow money for consumption. At that time, the interest will be high and it will be difficult to get out of this cycle.
The announcements of the five ministries and commissions are also protecting students to some extent. Many netizens saw this announcement and said it was great. This generation of young people was saved. Bian Xiao finally wants to say that college students now have no source of income, and the only income is the living expenses given by their parents. When studying, we must develop correct consumption habits and establish a good consumption concept. Never use online loans, because it will affect your study.