Entrepreneurship loans, training loans … Campus loans ＂wearing vests＂ have been repeatedly banned.

　　Xinhua News Agency, Shanghai, May 6 thTitle: Venture loan, training loan, job-seeking loan … … Under the ban, campus loans are still rampant!

　　Xinhua News Agency "Xinhua Viewpoint" reporters Wang Shujuan and Yan Zhihong

　　As early as May 2017, several departments, including the former China Banking Regulatory Commission, issued the "Notice on Further Strengthening the Standardized Management of Campus Loans", clearly requiring that all online lending institutions be suspended from conducting online lending business for college students. However, a recent survey by Xinhua Viewpoint reporter found that there are still many online lending institutions that ignore the regulations, put on entrepreneurial loans, graduation loans, training loans, job-seeking loans and other coats, and continue to lend to college students.

　　The online lending platform still illegally lends money to college students.

　　The reporter’s recent investigation found that in order to avoid the investigation by the regulatory authorities, the marketing methods of some online lending platforms are more subtle, and some continue to lend illegally to college students under the banner of graduation loans and job-seeking loans.

　　Many online lending platforms promote their business through QQ group. The reporter’s search found that some salesmen claimed in the group that they could apply for loans for college students, and said that they "ignored debts, didn’t look at credit information, didn’t audit electricity, didn’t video, didn’t write IOUs, and came to the next one".

　　Huang Peng, a college student, has borrowed money on platforms such as "Spend 100 million yuan first", "Staging Music" and "Flash Silver". He told reporters that although campus loans are forbidden, many people who claimed to help "settle accounts ashore" promoted them on Zhihu, Weibo and WeChat, saying that they could help to borrow new loans and repay old ones, which attracted many students with loans.

　　Some campus loans are covered with "vests", such as leaseback loans, entrepreneurial loans, job-seeking loans, etc. The reporter saw on the post bar that an "ID loan" called "Meow Renting Back" was advertised as a professional mobile phone lending platform, with quick review and quick receipt.

　　A college student told reporters that leaseback loan is actually a kind of campus loan, also called "ID loan". The specific operation is to "lease" the mobile phone to the loan platform and bind the specified Apple ID account. The platform is valued at 3,000 yuan, and 2100 yuan is received after deducting the rental fee or appraisal fee of 900 yuan. In fact, the mobile phone is still used by me, and the platform gives college students loans with high beheading interest in the name of leasing. If you don’t repay the loan on time, you will threaten the borrower by reading the mobile phone address book, mobile phone positioning and other functions.

　　Other platforms ignore the regulations and deliberately lend money to college students without reviewing their identities, and they are all "beheading loans". Yang Xin, a college student in Chongqing, is caught in the vicious circle of "supporting loans with loans". She borrowed money from dozens of platforms, such as Little Ant Wallet, Easy Week Wallet, Quick Loan Wallet and Spend 100 million yuan first. The most recent one was to borrow 3,000 yuan from Easy Week Wallet in early March, which was due in seven days, but only 2,100 yuan actually arrived, with an annualized loan interest rate as high as 15.64% and an overdue fee of one day in 150 yuan. The reporter saw that this 3,000 yuan loan has rolled into more than 7,000 yuan in one month.

　　Liu Xing, a 20-year-old sophomore, recently borrowed 2,000 yuan from the "hairtail" online loan, but only 1,600 yuan actually arrived, which is equivalent to an annualized loan interest rate of over 1,000%. After 7 days, due to the inability to repay, the collection company has been harassing his parents.

　　Some platform identity audits exist in name only.

　　"In fact, according to the age of the ID card, you can roughly judge your identity. If you really don’t want to make a group loan for college students, strictly setting the audit threshold of 25 years old or older can basically be screened out." A person in charge of a cash loan platform told reporters.

　　Many college students told reporters that most platforms indicate that they can borrow money only if they are over 18 years old, but they don’t screen their specific identities. They can pass the audit by checking the "not a student" option. "Although some platforms indicate that they will not lend money to students, they will never ask you if you are a student when you borrow money. You can borrow money with your ID card." Yang Xin said.

　　Huang Peng told reporters that in many platform loans, when filling in the information, just fill in a company near the school, upload an ID card, authenticate the mobile phone operator, and record an authentication video to borrow money.

　　"Staging Music" is known as a staged shopping mall for young people, and its App has a loan service of "Lehua Borrowing Money" in a prominent position. To apply for a loan, you need to register and fill in your personal data, and you have the options of "worked" and "not worked". If you choose "not worked", you need to fill in your school and admission time.

　　Liu Xing, a college student, showed the reporter his personal information on "Staging Music" and clearly filled in the school he was attending and the time of admission. However, on March 26th, he still successfully borrowed money from the staging music platform, having been in debt of tens of thousands of yuan on several online lending platforms.

　　As a college student, the reporter called "Staging Music" to ask for a loan. The customer service told me that you can apply for a loan as long as you are 18 years old, regardless of whether you are a student or not. The platform provides technical and preliminary examination services, and the final lender is a cooperative financial institution.

　　The reporter saw that there were many complaints about "staged music" lending to college students on "Gathering Complaints". A Mr. Xiong spoke out: "‘ Staging music ’ Doing promotion and advertising all over the campus, in the classroom and on the table ‘ Staging music ’ Small card. " Parent Ms. Liu said: "‘ Staging music ’ Deliberately trick students who do not have a stable source of income into super-power consumption and borrowing loans, and make phone and SMS bombing threats when students have no repayment ability, thus kidnapping parents to repay. "

　　We will implement the regulations on punishing campus loans and increase formal financial services for college students.

　　A person engaged in cash loan business told reporters that in fact, the platform is well aware of the illegal lending to college students. They just believe that the parents of college students will repay their children, so even if students have no source of income, they should continue to do so.

　　This person told reporters that recently, the relevant departments have closely checked the "714 anti-aircraft gun" platform with a loan period of 7 days or 14 days and charged high beheading interest and interest, so many platforms have been changed into 30 days and 56 days, or the App has been upgraded into a shopping mall and a loan supermarket.

　　Many people in the industry said that we should cooperate with various regulatory bodies and relevant departments to implement the regulations on punishing campus loans, ban unlicensed lending platforms, and especially crack down on those platforms with legal licenses to lend illegally to college students. The online lending platform should also take the responsibility of verification and strictly abide by relevant regulations.

　　Experts suggest that it is necessary to unblock the combination and let formal financial institutions provide formal financial services for college students. Zheng Li, member of Chinese People’s Political Consultative Conference and vice president of xihua university, has been tracking and investigating the problem of campus loans for many years. The feedback data he obtained from China Banking and Insurance Regulatory Commission shows that by the end of March 2018, 12 banks across the country had launched student credit card business, with a total of 4.01 million student credit cards issued, with a loan balance of 400 million yuan. In the next step, formal financial institutions should be encouraged to increase financial services for college students on the premise of risk control.

　　Fu Weigang, a researcher at Shanghai Institute of Finance and Law, suggested that relevant departments can explore cooperation with Internet finance technology companies to establish a risk control model for students in school, so as to make technical preparations for regulating the campus loan market.