Student: I was urged to repay the loan before class.
Ms. Liu, 29, works in a game company. In order to improve her academic qualifications, she searched online for information about "self-taught examination". She found that Beijing Giant Times Education Consulting Co., Ltd. (referred to as "Giant Times") has been registered for 10 years, which is more reliable. At the end of this year 10, she and her friends went to an office building in Jianwai SOHO, and enrolled in the training course of the Distance Education College of Beijing Institute of Technology and the self-taught undergraduate course of China Renmin University. I didn't expect something to happen before class.
"I keep receiving dunning notices." Ms. Liu said that when registering, the teacher recommended her to pay through online lending platforms such as Baidu Wallet, Fenfujun and Banzhan, because of the advantages of interest-free and quick review. She chose 12 to pay Jun's loan by installments of nearly 24,000 yuan, with a monthly repayment of nearly 2,000 yuan. After the incident, Ms. Liu contacted Fenfujun by phone and was told that she still needed to continue repayment, otherwise her personal credit information would be affected. The reporter saw that Ms. Liu's bank flow showed that a training loan had just been repaid on February 12.
"This is the tuition fee of 25,000 yuan, and there is a receipt for the degree certificate fee of 4,000 yuan." Ms. Chen, who has the same experience, told reporters that the deceived students spontaneously organized and established a number of WeChat groups. There are more than 400 people in her group, involving more than 4 million yuan in tuition fees. Many of them signed up for loans through the online lending platform. "It is not easy for us to earn some money at work. We can't get the Shanghai Stock Exchange exam, and we have been receiving the loan reminder notice, which is too uncomfortable. " She said gloomily.
Students who have not completed installment repayment hope to stop installment. However, both Baidu Wallet and Fenfujun said that the application for canceling installment repayment needs to be initiated by the institution, and individuals still need to continue to repay.
Training institutions "run the road" and "teachers" help online loan tuition.
After the incident, the "Giant Age" did not respond to the incident. Official website, the company, is paralyzed, and the company is empty, so students' rights protection is in trouble. A student told reporters that when handling the loan, the "teacher" in the giant era took the mobile phone and helped her download the Baidu wallet APP, and then called to upload photos to get the loan without providing any personal credit information.
The industry believes that in recent years, it is not uncommon for the bosses of education and training institutions to run away with money. Early repayment, high operating pressure and inadequate fund supervision lead to high financial risks.
"For Internet finance companies, it is necessary to make detailed adjustments and audits, and training loans need more adequate risk control audits." Yang Dong, director of the Research Center for Financial Technology and Internet Security of Renmin University of China, believes that it is unreasonable for students to pay back money because of the defects in financial products.
Huang Zhen, director of the Institute of Financial Law of the Central University of Finance and Economics, believes that a large number of online microfinance businesses are products of cross-border cooperation, such as sources of funds, customer diversion and overdue collection. May be done by different subjects. Once there is a problem with the platform, borrowers often lack support to defend their rights. When training institutions recommend peer-to-peer lending institutions to students, they can think that they have a factual cooperative relationship and should bear corresponding responsibilities.
Some legal persons also believe that the purchase of online loan products is a contractual relationship between students and online loan platforms. At present, the training institution is in default, and there is no online loan platform default. Therefore, students need to continue to fulfill their contractual obligations.
In order to protect consumers' rights and interests, it is necessary to strengthen network credit supervision.
Wang Xiaoyan, a lawyer of Beijing Yingke Law Firm, said that with the rapid development of the online loan industry, the loan process is simple and the qualification examination is relaxed, making it easier for people to obtain funds. It is also easy to be packaged by illegal companies in the name of membership fees and tuition fees. And become a tool for fraudsters to collect money.
"Online microfinance has new features such as diversified subjects, younger borrowers, no credit history, new consumption scenarios, small loan amount and many unsecured loans." Huang Zhen believes that when disputes arise, the protection of the rights of lenders and investors is valued, while borrowers are often in a weak position. He suggested that the deceived students should report to the regulatory authorities in time while solidifying and preserving the evidence, and communicate with the institutions in peer-to-peer lending, and try to repay the loan in advance or terminate the interest calculation to minimize personal losses.
Experts in the industry believe that training students is an investment in human capital for themselves, so we should be cautious in participating in relatively high-risk online credit. At the same time, regulators should strengthen the supervision of similar training loans and increase the punishment for such non-compliance and illegal acts.
Regarding the financial hidden dangers in the education and training industry, many interviewed experts believe that the industrial and commercial administrative departments and tax departments should strengthen daily supervision, and enterprises with abnormal accounts should find problems in time and carry out rectification actions. The Internet financial supervision industry should continue to strengthen the supervision of online lending platforms to prevent illegal cooperation between online lending platforms and other enterprises. Relevant industry associations and local financial supervision departments need to strengthen the education and protection of financial consumers, especially borrowers.
Pay after class, but everyone knows it's a loan.