● The reporter's recent investigation found that under the policy background, although the "campus loan" has been curbed to a certain extent, it has not completely dropped out of college.
● The measures for the supervision and administration of credit card business of commercial banks stipulate that before issuing student credit cards, the issuing bank must confirm the borrower's second repayment source, obtain written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on its behalf, and confirm the authenticity of the identity of the second repayment source.
● I hope that the online lending platform will become an information exchange intermediary, not a credit intermediary. In the future, some head online lending platforms may be retained, and the government may issue financial licenses to them to promote their normative transformation.
6543810.2, the Supreme People's Court issued "Opinions on Further Strengthening the Concept of Goodwill Civilization in the Implementation Work", explicitly requiring full-time students to become executors due to disputes over "campus loans", and generally not to take measures to put them on the list of untrustworthy or restrict consumption.
In recent years, it has been repeatedly exposed that college students are deeply involved in "campus loans", which leads to the unsustainable normal life and study of these students and the bad social impact. In this context, the Ministry of Education, China Banking Regulatory Commission, etc. He has repeatedly applied for the rectification of "campus loans" according to law, and even banned any online lending platform from issuing loans to college students.
However, a recent survey by the reporter of Legal Daily found that although "campus loan" has been curbed to a certain extent under the policy background, it has not completely dropped out of college.
There are many names for loan business.
You can borrow money by showing your ID card.
Through the QQ group search, the reporter of Legal Daily found that in this QQ group named "National Online Loan Platform Exchange Group", there are a large number of loan projects with different names, such as "Lending by Lending Treasures", "Cash in Flowers" and "Graduation loans and entrepreneurial loans can be quickly received without any threshold".
A user named "What is love" told the Legal Daily reporter that he only needed a personal photo of his ID card, and there was no other process. After reviewing for five minutes, he will call to collect money. With regard to the consultation on the loan of 3,000 yuan, "What's the love" is further introduced. The interest is paid in 60 yuan every month, with a term of one year and repayment at maturity. When the reporter of Legal Daily said that he was a student, "What is love" quickly changed his mind and directly reduced the interest to 300 yuan for one year.
In addition, "What is love" also shows two screenshots of the transaction amount of bank cards, showing that the transaction amount is 13000 yuan. When asked how to ensure that the lender can repay the loan regularly, "What is love" only said "Leave thousands of dollars at will", and then "hacked" the reporter of Legal Daily.
Another user named "Yue Mingqing Feng" said that he operates various loan businesses, including training loans, venture loans, flight loans and cloud loans. Among them, to apply for flying loan, you only need to provide one of credit card, provident fund, mortgage or insurance policy, and you can arrive at the account on the same day without filling in the contact person; Cloud loan is suitable for "small white households" who are between the ages of 18 and 60, have not handled any online loan business before, and have no problem with their credit records.
When a reporter from the Legal Daily asked whether there was a student loan, Yue Ming Qingfeng said that there was no difference between a student loan and a non-student loan, and the lender could make a direct loan by providing an ID card. When asked if the students can't repay the loan, "Yue Mingqing Feng" said that the loan needs to go through the mobile phone platform. If you want to borrow money, you must register. "There is no way to run after registration."
The reporter of "Legal Daily" searched in a post bar on the Internet and found a loan advertisement-"Beauty loan: 2 1-45 years old, a batch of 30,000-65,438+10,000 yuan per second. Please don't disturb Gitzo as long as you have your ID card and bank card! Only women are accepted, not limited to household registration. "
The publisher of this advertisement nicknamed it "A- Be a layman" on WeChat. He first asked the Legal Daily reporter where he came from, how his credit record was, how old he was and how much money he needed to borrow. When the reporter of Legal Daily replied as a student that he had a good credit record and no record of violation, "A- be an amateur" said, "All students are the same. We don't have upfront fees here, and the annual interest rate is one point (interest is paid at 65,438+00% of the loan amount every year). Need a loan on the spot, bring your ID card, bank card and real-name registration system mobile phone. He also said that lending is only offline and needs to be handled in Linyi, and reminded that "lending as soon as possible, many institutions are reluctant to lend after the Chinese New Year. "
It is worth mentioning that, according to a recent survey by a reporter from the Legal Daily, it is not easy to see all kinds of loan advertisements that used to be everywhere, especially those aimed at school students. At present, the loan advertisements that can be found are basically called personal loans, using mobile phone platforms or offline transactions to make loans.
Most online lending platforms violate regulations.
Risk control audit is sloppy and perfunctory.
Many people interviewed by the "Legal Daily" reporter mentioned that the online loan industry is not strictly audited at present, and many online loan platforms lend to college students and apply for credit cards without contacting their parents.
The Notice on Further Strengthening the Renovation of Campus Online Loans issued by six ministries and commissions, including China Banking Regulatory Commission and Ministry of Education, stipulates that "online loan services shall not be provided to college students under the age of 18. /kloc-When examining the qualifications of college students over 0/8 years old, it is necessary to confirm the borrower's second repayment source and obtain written guarantee materials from the second repayment source (parents, guardians or other managers, etc.). ) agrees with its borrowing behavior and is willing to repay it on its behalf.
Xiao Sa, director of the Bank of China Law Research Association, mentioned that the current formal campus lending institutions mainly refer to banks and consumer finance companies. For banks, Article 45 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks shall apply. The measures stipulate that "before issuing student credit cards, the issuing bank must ascertain the borrower's second repayment source, obtain written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on its behalf, and confirm the authenticity of the identity of the second repayment source. Before increasing the student credit card limit, the issuing bank must obtain the written guarantee materials from the second repayment source (parents, guardians or other managers, etc.). ) I agree and am willing to repay it. "
The Measures for the Pilot Management of Consumer Finance Companies stipulates that "consumer loans issued by consumer finance companies to individuals shall not exceed the risk tolerance of customers, and the maximum loan balance of borrowers shall not exceed RMB 200,000".
In this regard, some insiders pointed out that it is necessary for consumer finance companies to confirm the borrower's second repayment source and obtain written guarantee materials from the second repayment source (parents, guardians or other managers, etc.). ) agrees with its borrowing behavior and is willing to repay on its behalf, and confirms the authenticity of the identity of the second repayment source by telephone and other means.
However, an interview with the reporter of the Legal Daily found that almost all the college students interviewed never received relevant phone calls or notices when handling online loans or credit cards, regardless of whether their parents knew it or not.
However, in the past two years, some banks began to refuse to issue or tighten the qualifications for college students to apply for credit cards alone, but they can apply for supplementary cards for their parents' bank cards.
2065438+On May 27th, 2007, the Notice on Further Strengthening the Standardized Management of Campus Loans issued by China Banking Regulatory Commission, Ministry of Education and Ministry of Human Resources and Social Security pointed out that "banks that carry out campus loans should formulate and improve the risk management system of campus credit, establish a risk early warning mechanism, strengthen the pre-loan investigation and evaluation, carefully examine and evaluate the qualifications of loan students, pay attention to post-loan management and supervision, and ensure that the capital flow conforms to the contract".
A risk control Commissioner surnamed Zhang from a microfinance platform in Shanghai told the Legal Daily reporter that the risk control work mainly depends on the borrower's repayment ability and willingness, which can be inspected through the central bank's credit information system. Regular loans should be screened for credit information and running water. Those who don't meet the requirements can't lend, but many loan companies don't go to the credit information system.
"The process of risk control is generally to collect materials and review the authenticity of materials. There is a certain time requirement for credit reporting. After passing the preliminary examination, you can go to some third-party platforms to inquire about the lender information. There is also a phone number to see if the borrower has contacted the online loan blacklist. And make sure I'm taking out a loan. I can't say that a person goes to someone with a good relationship to help with the loan because of his breach of trust. " The risk control Commissioner surnamed Zhang said that after the preliminary examination is completed, people around the applicant need to be contacted by phone. Spouses and other people must support their loans, and special people need to go to the field to check to prevent fraud. It is necessary to verify the income and liabilities of the applicant.
In the view of Commissioner Zhang Fengkong, it is "immoral" for some online lending platforms not to review student loans. Risk control is to restore the real income and liabilities of customers, then judge their repayment ability, and then understand their repayment willingness through communication. "When some online lending platforms conduct risk control audits, it depends on whether the student's student status is true. As long as there is no problem with the student's status, that person can't run away. They can threaten by various means, and the recipient will also call the student. Send a text message. "