On May 28th 17: 36, Zhou Xiao suddenly received a phone call from a staff member who called himself "China Banking Regulatory Commission", saying that he had applied for a "campus loan" during his college years, and the loan was not settled at present, which would affect his personal credit investigation.
Zhou Xiao replied that he didn't apply for a loan, but the other party ignored it and sent a credit report from the CBRC, repeatedly stressing that it would affect the credit investigation.
When I was preparing to transfer money, I received a phone call from the anti-fraud early warning dissuasion officer of Jincheng police station. Discourager Ma Dongjie told Zhou Xiao that this was a typical online loan fraud. Don't transfer money if you don't believe it.
Zhou Xiao suddenly realized that he immediately stopped the remittance, and 6000 yuan was saved in the card.
Xiao Li, who is not deeply involved in the world, is very nervous and convinced.
Related Q&A: What do you think of the CBRC's suspension of campus online lending business of online lending institutions? Recently, China Banking and Insurance Regulatory Commission, the Ministry of Education and Ministry of Human Resources and Social Security issued the Notice on Further Strengthening the Standardized Management of Campus Loans (hereinafter referred to as the Notice), saying that online lending institutions should be suspended from carrying out campus loan business at this stage, and at the same time, it is required to rectify and clean up existing business within a time limit. Under the propaganda of "unsecured credit loan", the "campus loan" that has entered the campus for more than three years is still unknown today, and debt tragedies are seen in the media from time to time. Some market-oriented campus consumer credit institutions have not established a perfect risk assessment mechanism and internal control compliance mechanism in essence, and blindly pursue scale expansion. These institutions pay relatively little attention to social benefits, and sometimes there will be irrational consumption behaviors that cater to or even induce the campus. It is also expected that chaotic campus loans will be ordered to stop. The "Notice" requires that in order to further strengthen the political supervision of campus loans, it is necessary to control the chaos from the source and prevent and resolve the risks of campus loans. Local financial offices (bureaus) and banking regulatory bureaus should, on the basis of the rectification of campus loan business of online lending institutions in the early stage, cooperate with relevant departments to further intensify the rectification, and put an end to the behaviors of online lending institutions that seriously endanger the safety of college students, such as high-interest lending and violent collection. At this stage, all online lending institutions will be suspended from carrying out campus loan business, and the stock business should be gradually digested. At the same time, the Notice encourages commercial banks and policy banks to provide financial products for college students in terms of student assistance, training, consumption and entrepreneurship. Set a reasonable credit line and interest rate, and prevent public employment talent service institutions from bundling and recommending credit services in the name of training, job hunting and career guidance. Among them, there is an obvious meaning of "blocking the side door and opening the main door". According to incomplete statistics, at present, China Bank, China Construction Bank, China Industrial and Commercial Bank, Guangfa Bank and Qingdao Bank have launched campus loan products, and most banks have adopted campus system to strengthen campus loan risk control. In terms of market competition, banks have also adopted the strategy of "low interest rate" to attract college students. In the future, banks may launch more formal "campus loan" products to fill this huge market gap after supervision. Xu, deputy governor of China Bank, said that college students' consumer credit needs to build a standardized and orderly service system, optimize institutional arrangements and top-level supervision design, so as to comprehensively improve the inclusive level of college students' financial services. Industry analysts in Xinsijie believe that in the absence of supervision, campus loans are in a state of barbaric growth. The credit risk of college students is too high because of excessive consumption and inability to repay. The introduction of this regulatory policy is conducive to standardizing the college students' credit information market. At the same time, through reasonable demand for financial services, we can guide college students to spend rationally and nip some potential dangers in the bud. Related Q&A: What do you think of the suspension of campus loans after 400 college students "refused to repay"? In my opinion, we can't put all the responsibility on campus loans. There are problems with campus loans, but college students have great responsibilities at night.
Campus loans should be beneficial to college students. It should solve the problem of college students' tuition and living expenses, instead of letting college students who have no income spend blindly.
Campus loan is not perfect for college students. In order to achieve their income goals, they bring a lot of money to college students without considering the purpose of students using the money, and only consider their own interests without considering college students. This is their fault.
I think there should be a set of reasonable and sound standards for college students to borrow money. If it is used for consumption, they cannot borrow money. If it is used for tuition or living expenses, it can be loaned to college students. Only in this way can we help college students and avoid similar naked loans.
Similarly, college students are also responsible. As a college student, you should understand what your responsibility is now, when you are studying, not when you are comparing, if you want to compare, when you are rich and capable. Now using loans to satisfy your vanity will not only harm yourself, but also bear certain legal responsibilities if the loans are not repaid. Therefore, college students should have a clear mind, know what their tasks are, and spend reasonably according to their own economic situation.
In a word, I think we should fight 50 wars for such a thing, and both sides are responsible. Campus loans should be rectified, and college students should pay some price for it. Once you have learned the lesson, only when you have learned the lesson can college students grow up.