The "Notice" clearly stipulates that microfinance companies may not set college students as the target customer groups of Internet consumer loans, and may not accurately market this group; It is not allowed to induce college students to consume in advance and borrow excessively by false, misleading or induced publicity. Any violent collection that interferes with the normal study and life of college students is strictly prohibited. In addition, licensed institutions such as commercial banks and consumer finance are also regulated.
In recent years, flower beds have become a part of many people's lives, especially some young people, such as college students or people with less money, often find it difficult to apply for credit cards, while flower beds do not need credit information, and borrowing money or spending is more convenient than credit cards, making them the first choice for students.
As soon as this notice came out, Bai Hua was not allowed to lend money to college students, and immediately went on a hot search. In fact, this understanding is wrong. The notice of the China Banking Regulatory Commission clearly stated that the Internet platform that requires cooperation with licensed financial institutions cannot induce college students to consume in advance and borrow excessively, nor can it accurately market college students, nor can it push and drain college students to lending institutions.
Take Bai Hua as an example, a considerable part of its business is the joint loan between Alipay and banking financial institutions. In July last year, in order to find out the base of joint loans, the central bank also issued a special survey. Therefore, in accordance with the spirit of the Circular, the door of granting college students' consumption loans in Bai Hua has not been closed, but it should be controlled.
Why restrict lending money to college students?
With the development of Internet economy, many people have the behavior of spending in advance through online loans. For those who have the ability to repay, a loan is a mutually beneficial transaction. However, if people who have no repayment ability spend more, it is likely to turn into a tragedy.
At present, some Internet financial platforms have begun to target university campuses, inducing students' loan consumption through various means, and inducing students to spend too much in advance, resulting in some students falling into high loans. There are even many financial platforms that set up high loan traps in conjunction with offline stores, which has caused extremely bad social impact.
In recent years, the problems of college students' loans have emerged one after another, involving violations of personal privacy and even criminal cases. The impact is getting bigger and bigger, and the impact on society is immeasurable.
After the notice came out, students' Alipay flower beds began to reduce the quota on a large scale, from several thousand to several hundred, and the consumption behavior among students was restricted by reducing the quota.
Influence on students
After this notice came out, the amount of money spent was reduced, and microfinance companies were not allowed to lend to college students. The only impact on college students is that they can only spend in cash. IPhone and iPad can't be divided into 24 issues, and coconut shoes can't be bought.
I will gradually correct my consumption concept, and I will not take chances and let myself go. Try to avoid impulsive consumption, follow suit consumption and blind consumption, and establish a correct consumption concept of moderate consumption, reasonable consumption and rational consumption. Don't buy unnecessary and useless things. We should have a good grasp of our own economic level and consumption power, and plan our disposable funds reasonably.
Generally speaking, this policy will enable college students to start rational consumption. At the beginning, the credit card did not apply for students to open a house, and the flowers and white bars directly ignored the supervision. It's time to clean up.