On March 17, China Banking Regulatory Commission issued the Notice on Further Regulating the Supervision and Management of College Students' Internet Consumer Loans (hereinafter referred to as the Notice) jointly issued by the Central Bank, the Ministry of Education and the Ministry of Public Security, which clearly stipulated the college students' Internet consumer loans from four aspects: strengthening the management of college students' consumer loans, strengthening the education guidance for college students, guiding the public opinion on college students' consumer loans, and intensifying the crackdown on college students' consumer loan crimes.
As we all know, in recent years, the credit services provided by the company are no strangers to the outside world, and many products have been integrated into public life. However, they also induced excessive consumption in advance, which led some college students to fall into the trap of high loan, and even informal loan behaviors such as "naked loan" and "routine loan" appeared.
First of all, after the new regulations come out, can college students still borrow online? In the final analysis, it depends on who is the credit subject behind it. If the credit subject is a licensed financial institution such as an approved bank, then college students can borrow money online. But if the credit subject is a company, it is not allowed. Therefore, it is the key to distinguish the credit subject behind the platform, rather than making online loans across the board.
So what is the impact of the publication of the Notice? Let me explain it to you in detail.
1. Who is the target of the new regulations?
Lender: college students
Lending institutions: licensed financial institutions such as consumer finance companies and commercial banks regulate mortgage behavior, and companies are not allowed to issue Internet consumer loans to college students.
Second, what does the new regulation say?
The main contents of the new regulations are as follows: First, it is clear that companies are not allowed to issue Internet consumer loans to college students; The second is to increase education, guidance and help for college students; Third, do a good job in online interpretation and public opinion guidance of college students' Internet consumption loan supervision and management policies; Fourth, increase the investigation and punishment of illegal and criminal problems in college students' internet consumer loan business; The fifth is to standardize the marketing behavior of lending institutions and their outsourcing cooperation institutions. At the same time, the protection of personal information has been strengthened, and the credit information of all college students' Internet consumer loans should be submitted to the basic database of financial credit information in a timely, complete and accurate manner.
In short, it is clear that institutions established without the approval of the regulatory authorities are not allowed to provide credit services for college students, and at the same time, marketing, lending, post-loan management and information protection are strictly regulated.
3. What are the impacts of the new regulations?
1, social consumption view
As it is forbidden to issue loans to college students on the Internet platform, it can inhibit college students from blindly lending through online lending platforms to encourage all kinds of unrealistic or high-consumption behaviors beyond their own economic ability, which will play an important role in their healthy growth and successful completion of their studies.
2. Avoid bad credit reports.
The lack of Internet platform loans for college students can also reduce some college students' poor personal credit reporting due to insufficient repayment ability, which is conducive to the healthy growth of college students and avoid employment problems caused by poor credit reporting.
3. Avoid the influence of violent collection
Banks and consumer finance companies are more standardized in interest rates and collection, so as to prevent students from falling into the debt trap because of high interest rates and avoid violent collection from having a greater impact on their studies.
Therefore, student groups must pay attention to rational lending, pay attention to and protect their own credit!
No online lending institution is allowed to lend to college students?
No online lending institution is allowed to lend to college students. BEIJING, Sept. 6 (Xinhua)-Zhao Jianjun, deputy director of the Finance Department of the Ministry of Education, said at the press conference of the Ministry of Education today that according to the regulations of the documents regulating campus loan management, no online lending institution may issue loans to college students. In order to meet the financial consumption needs of students, regular commercial banks are encouraged to provide micro-credit loans for college students.
Why can't you lend money to college students by borrowing flowers? What problems will it cause?
On March 17, China Banking Regulatory Commission issued the Notice on Further Regulating the Supervision and Management of Internet Consumer Loans for College Students (hereinafter referred to as the Notice), prohibiting companies from issuing Internet consumer loans to college students and unlicensed institutions from providing credit services to college students.
The "Notice" clearly stipulates that the company shall not set college students as the target customer groups of Internet consumer loans, and shall not accurately market this group; It is not allowed to induce college students to consume in advance and borrow excessively by false, misleading or induced publicity. Any violent collection that interferes with the normal study and life of college students is strictly prohibited. In addition, licensed institutions such as commercial banks and consumer finance are also regulated.
In recent years, flower beds have become a part of many people's lives, especially some young people, such as college students or people with less money, often find it difficult to apply for credit cards, while flower beds do not need credit information, and borrowing money or spending is more convenient than credit cards, making them the first choice for students.
As soon as this notice came out, Bai Hua was not allowed to lend money to college students, and immediately went on a hot search. In fact, this understanding is wrong. The notice of the China Banking Regulatory Commission clearly stated that the Internet platform that requires cooperation with licensed financial institutions cannot induce college students to consume in advance and borrow excessively, nor can it accurately market college students, nor can it push and drain college students to lending institutions.
Take Bai Hua as an example, a considerable part of its business is the joint loan between Alipay and banking financial institutions. In July last year, in order to find out the base of joint loans, the central bank also issued a special survey. Therefore, in accordance with the spirit of the Circular, the door of granting college students' consumption loans in Bai Hua has not been closed, but it should be controlled.
Why restrict lending money to college students?
With the development of Internet economy, many people have the behavior of spending in advance through online loans. For those who have the ability to repay, a loan is a mutually beneficial transaction. However, if people who have no repayment ability spend more, it is likely to turn into a tragedy.
At present, some Internet financial platforms have begun to target university campuses, inducing students' loan consumption through various means, and inducing students to spend too much in advance, resulting in some students falling into high loans. There are even many financial platforms that set up high loan traps in conjunction with offline stores, which has caused extremely bad social impact.
In recent years, the problems of college students' loans have emerged one after another, involving violations of personal privacy and even criminal cases. The impact is getting bigger and bigger, and the impact on society is immeasurable.
After the notice came out, students' Alipay flower beds began to reduce the quota on a large scale, from several thousand to several hundred, and the consumption behavior among students was restricted by reducing the quota.
Influence on students
After this notice came out, the flower garden was reduced and the company was not allowed to lend money to college students. The only impact on college students is that they can only spend in cash. IPhone and iPad can't be divided into 24 issues, and coconut shoes can't be bought.
I will gradually correct my consumption concept, and I will not take chances and let myself go. Try to avoid impulsive consumption, follow suit consumption and blind consumption, and establish a correct consumption concept of moderate consumption, reasonable consumption and rational consumption. Don't buy unnecessary and useless things. We should have a good grasp of our own economic level and consumption power, and plan our disposable funds reasonably.
Generally speaking, this policy will enable college students to start rational consumption. At the beginning, the credit card did not apply for students to open a house, and the flowers and white bars directly ignored the supervision. It's time to clean up.