In his suggestion, Li Jun said that with the development of platforms in peer-to-peer lending and peer-to-peer lending, more and more people are enjoying peer-to-peer lending services without knowing it or not.
From the practical point of view, although peer-to-peer lending can alleviate the imbalance of consumption power caused by income inequality of people of different ages to a certain extent, there are obvious problems such as low application threshold, simple access conditions, irregular interest-bearing methods, illegal dunning, etc. Especially in recent years, a series of peer-to-peer lending events such as "routine loans", "campus loans" and "naked loans" have triggered many family tragedies and social conflicts.
In view of this, Li Jun suggested improving online lending laws and regulations and strengthening supervision. Relevant departments should strengthen the supervision of bad peer-to-peer lending and require any online lending institution not to issue loans to students at school. The central financial management, industrial and commercial management, administrative management and advertising management departments should work together to formulate relevant laws and regulations, fulfill their regulatory responsibilities and strengthen supervision.
At the same time, establish a formal financial service system. Li Jun also suggested strengthening the popularization of financial and credit knowledge and purifying the network environment. Popularize financial credit and network security knowledge to schools, communities and enterprises, and raise everyone's awareness of online loan risk prevention. At the same time, it is necessary to purify the network environment and strictly control the promotion of usury online loans.
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In recent years, many delegates have also put forward their own suggestions on this topic.
Song, a deputy to the National People's Congress, said that the original intention of launching the "campus loan" was mainly to alleviate the financial difficulties of college students without income. This is understandable, but some online lending companies blindly pursue profits and set traps, gradually making the "campus loan" business worse.
Zhai, a member of the Chinese People's Political Consultative Conference, suggested that the relevant departments should implement an access system for campus credit business, and the regulatory agencies should set business access thresholds and examine and approve business qualifications. At the same time, carry out school-enterprise cooperation. Schools should investigate students' credit demand, grasp the situation, introduce formal and legal campus credit institutions with business qualifications for cooperation, and design products that match the demand.
Xu, a deputy to the National People's Congress, suggested that commercial banks should develop targeted consumer financial products for colleges and universities, reasonably set consumer credit lines and expected annualized interest rates, and make these products conform to the attributes of inclusive finance. In addition, commercial banks should rely on their own risk control system to establish credit and debt rating models for college students.
The representative of China Education News -NPC suggested that it is forbidden to give students credit cards and provide installment payment.