In recent years, with the rapid development P2P P2P lending, some P2P lending platforms continue to expand their business to colleges and universities. Some unscrupulous peer-to-peer lending platforms adopt false propaganda, lower the loan threshold and conceal the actual tariff standards, which leads some students to fall into the trap of "campus usury".
Details are as follows:
College students, especially poor college students, have realistic demand for campus financial products. According to China Higher Education Quality Report, the number of college students in China has exceeded 37 million in 20 15 years. In the same year, China Development Bank issued a total of 2.5 million poor students with student loans160 billion, covering 6.7% of the population. According to the survey data of China Economic and Social Data Center of Tsinghua University and Institute of Higher Education, the average annual necessary expenditure of college students in China is12,318 yuan. If this is taken as the poverty line, 22% of college students in China fall into the ranks of "poor students" because their family income cannot reach this level, among which the poverty rate of college students in the western region is as high as 28% and that of rural students is as high as 32%. In addition to student loans, the China Municipal Government has set up more than 9.5 billion yuan in student grants and 9.3 billion yuan in scholarships, benefiting about140,000 college students. However, due to the wide coverage, the poverty rate of college students has only dropped by 3 percentage points.
Because the national financial aid system for poor college students can only cover 9% to 10% of poor college students, the demand for student loans for half of poor college students has not been met, and the market has been in a state of insufficient supply. Since the country stopped the campus credit card business in 2009, the campus financial market has been blank.
Provide college students with a lending platform for installment shopping and micro-credit loans, and use it as an internet financial product in sub-sectors. However, its comprehensive cost is basically around 20%, and some even exceed the national red line by 24%, and once it is overdue, it needs to pay a high penalty.
At the same time, some platforms have become cash machines for offline usury and intermediaries due to lax online risk control. They will pay a certain percentage to college students, defraud personal data, apply for loans to cash out through the platform, and run away after reaching a certain amount. College students who have been defrauded of loans have to pay high interest and liquidated damages themselves, thus being dragged into the water.
These confusions need urgent treatment. However, the campus loan market should not be banned. In view of this, it is necessary to cultivate college students' credit awareness and credit system, encourage the market to provide customized and standardized financial services for college students, and realize the benign development of campus Internet finance.
The following are some suggestions: first, strengthen the supervision of bad peer-to-peer lending and establish a real-time early warning and handling mechanism for bad peer-to-peer lending on campus; Secondly, in addition to guiding students to establish a reasonable consumption concept in the education process, we should also strengthen the popularization of financial and network security knowledge, including the awareness of personal information protection. In addition, it is necessary to strengthen the construction of student financial aid credit system, fully tap the resources inside and outside the school, and raise exclusive funds as a useful supplement to the national financial aid system.
The concrete implementation can start from several aspects: First, improve the low-interest and interest-free student loan service for college students, and guide students to understand the true meaning of student financial assistance. Second, follow the definition and guiding direction of the Ministry of Education and China Development Bank, unite well-known entrepreneurs, caring public welfare people from all walks of life, charitable organizations and institutions, set up special funds, discount loans to outstanding college students, and provide them with standardized, standardized and customized financial services such as student loans, staged education and training, scholarships for studying abroad, and entrepreneurial dream funds to purify the campus financial market environment. Third, within the scope permitted by law, we can legally collect and accumulate data such as college students' school information, award-winning records, student loans, business loans, etc. to help college students generate credit files online and build a campus credit information system as soon as possible.