Enrollment by stages means enrollment by batches. Enrollment in colleges and universities is carried out in batches, including undergraduate enrollment in advance, undergraduate enrollment in batches, undergraduate enrollment in batches, specialist enrollment in batches, specialist enrollment in batches, specialist enrollment in batches, specialist enrollment in batches, specialist enrollment in batches, and specialist enrollment in batches, which embodies the overall direction of national reform and has achieved results. The fairness and justice of education and the merger of enrollment batches have promoted the rule of law and the rule of law, and promoted the deep-seated reform of colleges and universities.
Second, what is an education loan?
Tencent Education, which applied for the national student loan, has a special webpage introduction /zt/2005/zxdk/ 1. Undergraduate students (including higher vocational students), graduate students and second bachelor's degree students with financial difficulties in full-time ordinary colleges and universities; 2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) identity card; 3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); 4. Honest and trustworthy, law-abiding, no illegal behavior; 5. study hard and be able to complete your studies normally; 6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.
3. What is an education installment loan? What's the difference between campus loan and campus loan?
As an ideal application of consumer credit scenario, "education installment loan" has important inclusive finance value in helping disadvantaged students get fair education. As an indispensable part of the close combination of production, finance and learning, it plays a huge role in promoting finance to serve the real economy more efficiently. The following is the investment and financial management knowledge I collected for you. Let's have a look!
"Education installment loan" cannot be confused with "campus loan"
The notorious "campus loan" was banned mainly for the following reasons:
First, the borrower's use of funds is unreasonable. The main borrower of "campus loan" is students at school, and its appearance distorts the consumption concept of college students. Many college students who apply for "campus loans" spend money on eating, drinking and dressing up just to borrow money, but never think about how to pay it back. If you can't pay the money, find a place to borrow it. The problem of multiple debts and repeated loans is serious, and there are even many acts of stealing students' ID cards to defraud loans.
Second, the borrower's rate is extremely high. The charges of "campus loan" products are hidden, and the nominal loan interest rate is often within the legal red line, but the service fees, handling fees and membership fees of various names are overwhelming. Even if college students who are negligent in calculation can find high unreasonable interest rates, they have nowhere to complain, because what they really suck is not interest, but the so-called service fee.
Third, the borrower's risk control and collection means do everything possible. The "naked photo" incident of borrowing treasure and a college student in Henan violently forced him to jump off a building to commit suicide all revealed that some so-called "risk control innovation" and "collection ability" of "campus loan" were based on trampling on social conscience. Students are vulnerable groups with weak psychological endurance, and such "risk control" and "collection" bring them lifelong harm.
However, "education installment loan" and "campus loan" are completely different. Of course, some lending institutions target students, some of whom are students at school, but most of them are social people, including those who are already employed and have no fixed jobs. Even for students, the purpose of borrowing money is not for simple pleasure consumption, but for comprehensive improvement through training. There is a saying that it is always the right choice to invest in yourself at any time. Theoretically, we should not deprive any individual who is full of hope for the future of the opportunity to invest in himself.
We have noticed that many educational installment lending institutions completely give up the customer base of students for compliance reasons and prevent students from obtaining consumer installment loans through various technical means. Take Du Xiaoman (formerly Baidu Finance) as an example. On the product application page, it is clearly stated that "Qianhua refuses to provide consumer installment loans to college students. If you are a college student, please give up the application "; In the loan activation link, it is once again prompted that "students in school refuse to apply for staging from rich flowers; At the same time, in order to further identify the behavior of obtaining loans by concealing their identities, a manual telephone audit link was added for loan applicants aged between 18-22, and the applicants and their parents were contacted by telephone to verify their identities; Because many middle school students aged 18 to 22 are raising money to pay for language training, the loan application of all users aged 18 to 22 in the language industry will not be accepted.
Objectively speaking, the income level of the group with the demand for education installment loans is generally limited or even has no fixed income source, which is also an important reason why traditional commercial banks are unwilling to be this customer group. So why are education installment lending institutions willing to be this marginal customer base? Lending institutions' trust in students' repayment ability lies in that through vocational training, students can truly change their fate and realize the leap-forward growth of their income, and their repayment ability ranges from "none" to "existence" and from "weak" to "strong". However, in order to promote this change in repayment ability, lending institutions must ensure that training institutions have the ability and level to "empower" students. Therefore, under the education installment loan model, it is very important for lending institutions to identify the strength of training institutions. Under this financial service model, it is essentially to promote students who need to change themselves most to study in places that can best enhance their own value.
As far as the original intention of these institutions to engage in the "education installment loan" business is concerned, we have not seen anything that can be questioned, but have seen the inspiration of "feelings" and "ideas". For the behavior of these lending institutions, we need to pay attention to whether their comprehensive interest rate exceeds the legal red line, whether there are obvious frauds and irregularities in the risk control process, and whether there is a problem of violent collection after loans overdue. If these problems do not exist, I don't think "education installment loan" should be driven out of the market across the board; On the contrary, we need to encourage more institutions to set foot in the education installment loan market, so that more students can get better vocational education at lower cost.
Education installment loan has digital inclusive finance value.
I have always stressed on various occasions that inclusive finance needs to solve two basic problems of vulnerable groups: First, to solve the problem of financing availability; The second is to solve the problems of capital cost and financing convenience. The solution of the second problem is based on the solution of the first problem.
The first problem faced by these newly graduated students, unemployed people who have no fixed income for the time being, and migrant workers who want to acquire professional skills. Is that they can't get the money. Only when they get the money and spend it on education can they change their destiny. Educational installment lending institutions have made remarkable achievements in solving the financial availability of vulnerable groups to meet their educational needs.
However, any business organization should pursue profits. Only when the institutions engaged in inclusive finance achieve commercial sustainability can the development of inclusive finance be guaranteed. Digital inclusive finance innovation is an important outlet for inclusive finance's sustainable development. We can't avoid the problems of poor risk control of cooperation scenarios, opaque loan fees and high comprehensive interest rates in the initial stage of the education installment loan industry, but we should also see that some powerful institutions are involved in this market and changes are taking place.
Some institutions with strong Internet genes are constantly improving the comprehensive risk control of closed-loop scenarios on the asset side through digital means, such as confirming whether the loan applicant is operating by himself through artificial intelligence and confirming whether the applicant is willing to lend through video interviews. Innovative means such as education installment loans are constantly emerging, which not only meet the convenience requirements, but also prevent risks. In addition, commercial banks and other institutions have improved their understanding of this model, and the investment of a large number of cheap institutional funds has made the borrowing costs borne by students lower and lower. The "affordable cost" demanded by inclusive finance is no longer a castle in the air, and the education installment loan market has gradually entered a mature development period.
Education installment loan is a good consumer credit scene.
In recent years, education installment loan can be an ideal practice to cut inclusive finance into the industry-finance scene. By closely combining financial services with industrial needs, it effectively solves the multiple problems faced by financial services, such as risk control, repayment source guarantee and post-loan management.
Take Du Xiaoman (formerly Baidu Finance)' s vocational education installment loan product as an example. The closed-loop scenario is as follows: "Youyouhua" cooperates with some high-quality training institutions, which cooperate with many enterprises to train employees for these enterprises; For students who meet the basic requirements, the training institution may sign an orientation agreement with them, and can enter the cooperative enterprise after completing relevant vocational training and meeting the post requirements; If these students need to pay the early tuition fees by means of loans, they can be recommended by the training institutions to apply for educational financial loans from Youyouhua, which will make necessary risk control and give loans according to the qualifications of the cooperative institutions and the students' own conditions; After joining the job, the students get normal wage income and can use money to repay the loan.
In the closed loop of installment loan for vocational education, "Qianhua" has achieved all-round control of the real use of consumer funds through cooperation with training institutions, and ensured the repayment ability of students through the "employee-oriented training" program. In fact, post-loan management has become to urge students to better receive vocational education and meet the skills needs of enterprises, so as to bring credit risk control into the control of people in the industrial chain under the close combination of "production-finance-education". Under this change of thinking, lending institutions no longer realize risk control by screening students' repayment ability in advance, but rely on the empowerment of training institutions in the industrial chain and the employment of relevant subjects to create and strengthen students' repayment ability. We say that this kind of credit is a kind of financial service, its mission is to promote the overall improvement of students' own value from a small perspective, and it is a financial service that really serves the real economy by promoting the accumulation of human capital needed for industrial development from a large perspective. This information is for reference only and does not constitute investment advice. Investment is risky, so the operation needs to be cautious.