1. Does it work if Dana's education installment loan is cheated and reported to the police?
it is certainly useful to call the police if you are cheated.
second, what are Dana's training courses? I want to enroll recently. Please give me some advice!
Dana is mainly engaged in IT training. The training courses include java, C, php, android,. net, software testing, etc. Dana is a high-end IT training institution established in Beijing in 2112. IT has successively obtained financing from IDG (American Data Group) and Jifu Asia. Up to now, it has trained more than 91,111 trainees and cooperated with 17,111 training enterprises. It is a first-class IT training institution in China.
3. Is there really a guarantor to pay Dana for the training loan? Still playing with empty gloves
Dana and CreditEase are both formal companies, and they will definitely not play with falsehood. Moreover, after Dana goes public, it is necessary to go through the trial or eat for nothing. It is also normal cooperation to allow these fictitious cooperative loans. One will give you money in advance and the other will give you study in advance. What's wrong? It's enough to say that the boss Yixin belongs to the boss Dana. Does anyone really believe it?
Fourth, Dana loan training
"In order to find a job, I borrowed 21,111 yuan to study. As a result, I learned nothing. In addition to the principal, I have to pay more than 11 thousand interest. " "At that time, I promised to get a job and said that I would help me find a job. Later, no one could find it for a while. " "When the dunning call came to my house, I was particularly afraid that my mother would have a seizure after she knew it. My grandmother and grandfather are both over 81 years old, and I dare not say so. " These young adults are trapped by a training institution called Dana Education, and "money" runs through the whole process of their "training loan" in Dana. Because of lack of money, 3354 wanted to find a job and earn money by learning technology, and was "guided" to borrow money to pay tuition fees, and then paid back the money. Dana Times Technology Group Co., Ltd. (hereinafter referred to as "Dana") was established in 2112, focusing on IT technology training. In 2114, it was listed in the United States and became the first unit of vocational education and training in China. In the publicity, the concepts of "employment before payment" and "employment" were emphasized. The cost of course training is generally around 22,111 yuan, and the training targets are mostly young people who have just grown up and have a junior high school education. For students who can't afford high tuition fees, Dana cooperates with some online lending institutions to recommend "training loans" to students. However, some young people found that the course content did not meet expectations, and "guaranteeing employment" was just a blank check. To make matters worse, they are burdened with unbearable debts. Is it legal to collect these fees? Can Dana play the triple role of product provider, loan intermediary and loan guarantor at the same time? Is it a pie or a trap for educational institutions to take "training loans"? "the first crime": inducing loans? 11, Susan Wang, who had not graduated from technical secondary school at that time, was in debt due to "training loan", and worked in the assembly line of injection workshop of Changyadi Automobile Company. "There are hourly workers, 15 yuan an hour. My salary is only over 2,111 a month. " Susan Wang said, "and my family condition is not so good. My mother collects waste products in Liuyang's hometown, and my father works in a construction site in Zhejiang. " According to the contract provided by Susan Wang, the address in his personal information office is Liuyang City, Hunan Province. There is nothing about the address of the training institution in the contract, only Dana's seal shows "Guangzhou Dana Information Technology Co., Ltd.". In the follow-up communication, Susan Wang expressed to the staff the idea of going to Changsha Dali Xianfang branch for class, but the other party asked him to go to Guangzhou for communication. "If you go to Guangzhou, it costs more than 211 yuan by train (one way) and at least 611 yuan by high-speed rail (one way)." Therefore, Susan Wang didn't go to Guangzhou. After communication, Dana sent a set of online courses to Susan Wang. But after several online classes, Susan Wang was disappointed and didn't want to continue training. To make matters worse, due to his resignation one month after signing up, Susan Wang was once caught in a predicament of no income, which also led to his suspension of repayment. As of March 25th, 2123, it has been two years since Susan Wang borrowed money, and he has only paid back the first and second phases, totaling 527.84 yuan. His "Qianhua" account page shows that the amount to be repaid is 38,415.98 yuan, including interest of 6,139.98 yuan and penalty of 9,576 yuan. "This has affected my credit. I often receive debt collection calls and text messages. " Susan Wang said. Yang Er was also attracted by Dinah. Unlike Susan Wang, 19-year-old Yang Er saw Dana's job advertisement for the first time in 58 cities, and applied for Dana with a job-hunting mentality. During the interview, Dana told her that she didn't have enough education, but she could train in Dana. "They said they would introduce me to one during my study and study while working. I will get another job after studying. " Attracted by Dane's verbal commitment, Yang Er decided to sign up for study. According to the registration contract provided by her, Dana is responsible for recommending her work after the course, and the salary is determined according to my study skills and talent market. According to her, after she promised to sign up, she provided the staff with the original ID card, and the staff borrowed 21,811 yuan in front of her "rich flowers" to sign up for her UI design course. After registering, Dana sent several training videos to Yang Er and equipped a teacher to answer questions about the teaching content. After several classes, Yang Er said it was difficult for her to keep up with the teaching content. Teachers often can't give satisfactory answers to her questions, and the teaching situation is not ideal. As for the benefits of "introducing jobs" mentioned earlier, Yang Er said that Dana didn't introduce her to any jobs. In the end, she assumed a debt with a principal of more than 21 thousand yuan. Yang Er didn't continue his study because he was not satisfied with the teaching content. Because she has never had a job and can't make repayment, she can only watch the repayment reminder pop up every month. "The second crime": Join hands with online lending platform to launch "training loan". Is Dana's guarantee fee compliant? What kind of company is Dana? According to public information, Dana's operating company is Dana Times Technology Group Co., Ltd., which was established in Beijing in 2112. The company has been invested by IDG Capital, Goldman Sachs Group and other financial institutions. On April 3, 2114, Dana was listed in the United States as the first vocational education and training unit in China. In 71 large and medium-sized cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Nanjing, Hangzhou and Chengdu, 342 learning centers have been set up, with more than 11,111 employees and a total of 1 million trainees. In October 2119, Dana was exposed to "financial fraud" and received a notice of delisting. In February, 2121, Dana faced the risk of delisting again because the closing price was lower than 1 USD for 31 consecutive days. This is the first vocational education and training company in China, and it has been deeply cooperating with lending institutions. So is Dana. Dana said in the 2121 financial report that since 2116, considering that college students can't afford the course tuition, Dana has provided eligible students with the option of paying tuition after graduation. In fact, this payment method is completed through "training loan". In 2118, 2119 and 2121, 45.6%, 52.3% and 15.1% of the students received loans provided or arranged by financing service providers to pay their tuition fees. At present, Dana's cooperative lending institutions include Baidu Co., Ltd., BOC Consumer Finance Co., Ltd. and Beijing Ronglian Century Information Technology Co., Ltd. By recommending loan products to students, Dana got a lot of "returns". Dana Technology's 2121 financial report shows that when Dana promotes the loan products of financial service providers to students, she can get a "Loanreferralservicerevenue", which is charged according to the loan principal amount and confirmed with the financial service providers every month. From 2118 to 2121, the income from loan referral service fee of Dana Technology was RMB 18.196 million, RMB 19.939 million and RMB 7.811 million respectively, accounting for RMB 45.836 million. More than that, Dana also has a role-"guarantor". According to the financial report, Dana provides Guaranteeliabilities and collects guarantee fees for students who pay tuition fees with loans. This fee is included in the tuition fees charged. In case of student's breach of contract, the financial service provider has the right to collect unpaid interest and principal from Dana. From 2118 to 2121, the guarantee fees charged by Dana Technology were 89.69 million yuan, 47.189 million yuan and 13.118 million yuan respectively, accounting for about 51 million yuan. The total income of guarantee fee and loan referral service fee is nearly 211 million yuan in three years. What is the "guarantee fee"? Is there any relevant qualification regulation for the guarantee service provider in law? "In addition, the training institution itself does not have the license qualification to engage in guarantee business and provide financing guarantee services for a long time. If it does provide guarantee for loans, it is also beyond the scope of operation, and its own business operation is illegal." Lawyer Sun Binbin added. Lawyer Zhou You believes: "Providing external guarantee is an independent decision-making matter of ordinary private enterprises, not a franchise or a pre-approval matter. However, taking' providing guarantees as a business' involves a special business license. " Then, as a service provider, can Dana play the multiple roles of guarantor and intermediary at the same time? Take the familiar mortgage and car loan as an example. In the process of loan handling, real estate companies and car 4S shops will also recommend cooperative financial institutions. But the difference is that "usually, real estate companies and auto 4S shops will not provide guarantees for consumer loans, but consumers will provide sufficient credit certificates, collateral or guarantors to financial institutions. Loans are generally paid directly by financial institutions to merchants, but consumers will be informed of information such as lending and the first repayment period by SMS or telephone. " Lawyer Sun Binbin warned. It is worth noting that some students asked Dana to issue a tuition invoice, and then Dana sent a so-called "electronic invoice". A financial practitioner who once worked in the four major accounting firms pointed out that this is not a real invoice, but just a receipt. "The third crime": How many young people are in debt like Wang Shan and Yang Er behind the income of nearly 211 million who are suspected of false propaganda and exploiting loopholes in supervision? By April 21, 2123, there were 2155 pieces of complaint information about Dana on the black cat complaint platform, most of which were "false propaganda", "induced loan" and "overdue refund". "At the beginning, I applied for more than 21,111 loans, saying that it was all tuition fees, and I promised to go out to work for more than 11,111 yuan. Later, I said that the salary for going out to work was only five or six thousand yuan. If I want to get more than 11,111 yuan, I have to learn illustrations, and I have to pay 7,811 yuan, and the loan interest is 2,311 yuan." "In October 2121, I was looking for a job in 58 cities, and I was contacted by a recruitment in Dana. They contacted me for several days under the slogan that they will be employed after free training, and I was really moved, so I went to Hefei. They asked me to pay a tuition fee of 21,811 yuan. I said I didn't. They asked me for a loan? " The students wrote down their experiences on the complaint platform, and "difficult" became one of the high-frequency words. Lawyer Zhou You analyzed that there is a gray area in the "education and training loan" itself, and the key lies in whether it involves false propaganda and whether it is serious enough to constitute fraud. For example, if a training institution colludes maliciously with the employer recommended by it, it may constitute fraud and is a criminal problem. Judging from the available information, we can only say that Dana may be suspected of false propaganda, which is an advertising law or a civil issue. "Dana's problem is that, as a loan outsourcing service role, it induces students to borrow money in order to ensure employment commitments. There are fraudulent and induced publicity in marketing activities, which makes students unable to repay loans and refuses to refund tuition fees; The problem of small loan companies as financial institutions is that they turn a blind eye to Dana's false propaganda and are too casual in reviewing the credit status and qualifications of students. " Lawyer Sun Binbin said. In February 2121, the General Office of China Banking and Insurance Regulatory Commission, the Secretariat of the Central Network Information Office, the General Office of the Ministry of Education, the General Office of the Ministry of Public Security and the General Office of the People's Bank of China jointly issued the Notice on Further Regulating the Supervision and Management of Internet Consumer Loans for College Students, which clearly defined the Internet consumer loans for college students. "The company should strengthen the substantive verification of the identity of loan customers, and must not set college students as the target customer groups of Internet consumer loans, nor accurately market them, nor issue Internet consumer loans to college students. The outsourcing cooperation institutions of lending institutions should strengthen the screening of customers, and must not use improper methods such as false, misleading or induced propaganda to induce college students to consume ahead of time and borrow excessively, and must not accurately market for college students, and must not push and drain college students to lending institutions. " However, most of Dana's students are young people like Wang Shan and Yang Er, who have not been admitted to the university for a long time. According to the person in charge of the first campus of Shanghai Dana, there are few undergraduate students in Dana Education, with 21 to 31 students in each class, including three or four undergraduates. Compared with undergraduates, there are more college students, but the overall proportion is not high. Many of the students he once taught dropped out of school in their teens to engage in sales, catering and other jobs, and came to Dana to learn skills in order to change careers. In 2119, the Research Report on Empowered Employment in inclusive finance released by the research group of School of Labor and Human Resources of China Renmin University showed that the people who received education by stages were characterized by low age and low academic qualifications. The average age of installment lenders is 26.7 years old; 41.3% of the lenders have a junior college education and 24.9% have a senior high school education. In addition, this group's family is average and their parents' education level is low: 51% of the borrowers' parents can't afford their children's training fees, and their education level is below junior high school. These students have the same age as college students, but they are not studying in universities. Their identity is defined as social people, and the supervision in this field may not be clear enough. "This incident really happened in a consumer group who is not a college student but is just an adult and has no such strong risk awareness. Compared with institutions such as Dana, this group has an information inequality and is in a very weak position in the whole incident. In view of this situation, in fact, more open and transparent standards can be formulated through industry associations to protect this group and make the relationship between consumers and training institutions more equal. " Lawyer Zhou You said. In order to repay the loan, in June 2121, Wang Shan took a bus from Liuyang to Changsha. Today, he delivers takeout in Changsha alone and lives a life of ten to nine. Every day in 5 yuan, every night in 6 yuan, the monthly salary is about 6111 yuan. "Not bad, just a little tired" is Wang Shan's evaluation of this job. He earned 361 yuan on the day when his income was the highest, and worked from 8 am to 12 pm. 2121-11-11, Wang Shan got through Dana's customer service phone again. The staff asked him to pay off the loan and arrive at a campus in Changsha for class with the repayment record. But in the end, it was not realized because the loan was not paid off. "I don't know when I can pay it off. I spent money and didn't learn anything. I have to pay more than 11,111 interest. " (In the article, Wang Shan and Yang Er are both pseudonyms, and Teng Yun, a 2121 journalism major of East China Normal University, also contributed to this article) Related questions and answers: