Providing credit services for small loan companies, many products have been integrated into public life, such as Alipay's loan treasure and flower bud products. The operating companies behind it are Chongqing Ant Shangcheng Microfinance Co., Ltd. and Chongqing Ant Micro-Microfinance Co., Ltd., while Baidu, JD.COM and Meituan also have Du Xiaoman Microfinance Co., Ltd., Chongqing JD.COM Tongying Microfinance Co., Ltd. and Chongqing Meituan Sankuai Microfinance Co., Ltd.
Insiders pointed out that the clear inclusion of small loan companies and consumer finance companies in the scope of rectification and supervision will have a greater impact on some national Internet small loan companies, and some small loan companies account for more than 60% of college students' loans.
It is forbidden for unlicensed institutions to lend money to college students.
On March 17, the China Banking Regulatory Commission, the Central Bank, the Ministry of Education, the Ministry of Public Security and the Central Network Information Office jointly issued the Notice on Further Regulating the Supervision and Management of Internet Consumer Loans for College Students. The notice clearly stipulates that microfinance companies are not allowed to issue Internet consumer loans to college students, and institutions established without the approval of the regulatory authorities are not allowed to provide credit services to college students.
The regulatory authorities pointed out that recently, some micro-loan companies have cooperated with technology companies to conduct induced marketing for college students' Internet consumption loans to induce their excessive consumption, which has led some college students to fall into the trap of high loans, infringing on their legitimate rights and interests and causing adverse social impact.
The notice stressed that the outsourcing cooperative institutions of lending institutions should strengthen customer screening, and should not use false, misleading or induced publicity to induce college students to consume in advance and borrow excessively, nor should they accurately market college students, nor should they push or drain college students to lending institutions.
China reporter, a brokerage firm, learned that large Internet companies generally lend money through their Internet microfinance companies. For example, the main body of "Flower Garden" under the Ant Group is Chongqing Ant Microfinance Co., Ltd., and the corresponding main body of "Borrowing Garden" is Chongqing Ant Shangcheng Microfinance Co., Ltd.; JD。 The "white note" of COM corresponds to Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd. In addition, related platforms of companies such as Baidu, Meituan and Xiaomi provide lending services for their microfinance companies.