五部委：明確小額貸款公司不得向大學生發(fā)放互聯(lián)網(wǎng)消費貸款

Five ministries: clarified that microfinance companies are not allowed to issue Internet consumer loans to college students

 

近期，部分互聯(lián)網(wǎng)小額貸款機構通過和科技公司合作，以大學校園為目標，通過虛假、誘導性宣傳，發(fā)放互聯(lián)網(wǎng)消費貸款，誘導大學生在互聯(lián)網(wǎng)購物平臺上過度超前消費，導致部分大學生陷入高額貸款陷阱，產生惡劣的社會影響。為盡快規(guī)范整頓大學生互聯(lián)網(wǎng)消費貸款亂象，有必要盡快出臺《通知》，以大學生互聯(lián)網(wǎng)消費貸款業(yè)務為重點，進一步加強放貸機構客戶營銷管理和風險防范要求，加強在校大學生教育、引導和幫扶力度，合理引導網(wǎng)絡輿情，加大違法犯罪行為打擊力度，堅決遏制互聯(lián)網(wǎng)平臺精準“收割”大學生的現(xiàn)象，切實維護學生合法權益。

Recently, some Internet microfinance institutions have cooperated with technology companies to target university campuses and issue Internet consumer loans through false and inductive propaganda, inducing college students to over-prevent consumption on Internet shopping platforms, causing some college students to fall into high loans Trap, which has a bad social impact. In order to regulate and rectify the chaos of college students’ Internet consumer loans as soon as possible, it is necessary to issue the "Notice" as soon as possible, focusing on college students’ Internet consumer loans business, further strengthening the customer marketing management and risk prevention requirements of lending institutions, and strengthening the education, guidance and assistance of college students Intensify efforts to rationally guide online public opinion, increase efforts to crack down on illegal and criminal acts, resolutely curb the phenomenon of Internet platforms accurately "harvesting" college students, and earnestly safeguard the legitimate rights and interests of students.

二、《通知》的主要內容是什么？

2. What is the main content of the "Notice"?

《通知》從以下四個方面進一步規(guī)范大學生互聯(lián)網(wǎng)消費貸款監(jiān)督管理工作。一是加強放貸機構大學生互聯(lián)網(wǎng)消費貸款業(yè)務監(jiān)督管理。明確小額貸款公司不得向大學生發(fā)放互聯(lián)網(wǎng)消費貸款，進一步加強消費金融公司、商業(yè)銀行等持牌金融機構大學生互聯(lián)網(wǎng)消費貸款業(yè)務風險管理要求，明確未經監(jiān)管部門批準設立的機構一律不得為大學生提供信貸服務。同時，組織各地部署開展大學生互聯(lián)網(wǎng)消費貸款業(yè)務監(jiān)督檢查和排查整改工作。二是加大對大學生的教育、引導和幫扶力度。從提高大學生金融安全防范意識、完善幫扶救助工作機制、全面引導樹立正確消費觀念、建立日常監(jiān)測機制等方面要求各高校切實擔負起學生管理的主體責任。三是做好輿情疏解引導工作。指導各地做好規(guī)范大學生互聯(lián)網(wǎng)消費貸款監(jiān)督管理政策網(wǎng)上解讀和輿論引導工作。四是加大大學生互聯(lián)網(wǎng)消費貸款業(yè)務中違法犯罪問題查處力度。

The "Notice" further regulates the supervision and management of college students' Internet consumer loans from the following four aspects. The first is to strengthen the supervision and management of the Internet consumer loan business for college students in lending institutions. It is clarified that microfinance companies are not allowed to issue Internet consumer loans to college students, further strengthen the risk management requirements of consumer finance companies, commercial banks and other licensed financial institutions for college students’ Internet consumer loan business, and clarify that institutions established without the approval of the regulatory authorities shall not provide credit to college students service. At the same time, organize local deployments to carry out supervision, inspection, investigation and rectification of the Internet consumer loan business for college students. The second is to increase education, guidance and assistance to college students. In terms of improving the awareness of financial security of college students, improving the working mechanism of assistance and assistance, comprehensively guiding the establishment of correct consumption concepts, and establishing a daily monitoring mechanism, colleges and universities are required to take the main responsibility of student management. The third is to do a good job of public opinion interpretation and guidance. Instruct all localities to conduct online interpretation and public opinion guidance on regulating the supervision and management policies of college students’ Internet consumer loans. The fourth is to intensify the investigation and punishment of illegal and criminal issues in the Internet consumer loan business for college students.

三、《通知》對發(fā)放大學生互聯(lián)網(wǎng)消費貸款提出了哪些監(jiān)管要求？

3. What regulatory requirements does the "Notice" put forward for the issuance of student Internet consumer loans?

《通知》針對當前大學生互聯(lián)網(wǎng)消費貸款中存在的主要問題，提出了相應的監(jiān)管要求：一是規(guī)范放貸機構及其外包合作機構營銷行為，要求放貸機構實質性審核識別大學生身份和真實貸款用途，不得以大學生為潛在客戶定向營銷，不得采用虛假、引人誤解或者誘導性宣傳等不正當方式誘導大學生超前消費、過度借貸，放貸機構外包合作機構不得向放貸機構推送引流大學生。二是加強銀行業(yè)金融機構大學生互聯(lián)網(wǎng)消費貸款風險管理，針對貸前審核、貸后管理等關鍵環(huán)節(jié)進一步明確風險管理要求，要求嚴格落實大學生第二還款來源，規(guī)范催收行為，加強個人信息保護，所有大學生互聯(lián)網(wǎng)消費貸款信貸信息都要及時、完整、準確報送至金融信用信息基礎數(shù)據(jù)庫。三是部署開展大學生互聯(lián)網(wǎng)消費貸款業(yè)務監(jiān)督檢查和排查整改工作。

The "Notice" puts forward corresponding regulatory requirements in response to the main problems existing in the current Internet consumer loans for college students: First, it regulates the marketing behavior of lending institutions and their outsourcing partners, and requires lending institutions to substantively review and identify the identities of college students and the real loan uses. Targeted marketing with college students as potential customers, false, misleading or inductive publicity, etc., shall not be used to induce college students to consume ahead of time and borrow excessively. Outsourcing institutions of lending institutions shall not push and attract college students to lending institutions. The second is to strengthen the risk management of college students’ Internet consumer loans in banking financial institutions, further clarify risk management requirements for key links such as pre-loan review and post-loan management, require strict implementation of the source of the second repayment of college students, standardize collection behavior, and strengthen personal information protection. All college student Internet consumer loan credit information must be timely, complete, and accurately reported to the basic database of financial credit information. The third is to deploy and carry out the supervision and inspection of the Internet consumer loan business for college students, as well as the investigation and rectification work.

四、《通知》印發(fā)前已發(fā)放的大學生互聯(lián)網(wǎng)消費貸款應如何整改？

4. How to rectify the Internet consumer loans issued by college students before the issuance of the "Notice"?

《通知》明確，對于已發(fā)放的大學生互聯(lián)網(wǎng)消費貸款，一是要求小額貸款公司制定整改計劃，已放貸款原則上不進行展期，逐步消化存量業(yè)務，嚴禁違規(guī)新增業(yè)務。二是要求銀行業(yè)金融機構加強排查，限期整改違規(guī)業(yè)務，嚴格落實風險管理要求。

The "Notice" clarified that for the Internet consumer loans that have been issued to college students, first, small loan companies are required to formulate a rectification plan. In principle, the loans that have been issued will not be extended, and the existing business will be gradually digested, and new business in violation of regulations is strictly prohibited. The second is to require banking financial institutions to strengthen investigations, rectify illegal businesses within a time limit, and strictly implement risk management requirements.

五、在對大學生的教育、引導、幫扶和管理過程中，高校要具體做好哪些工作？

5. In the process of educating, guiding, assisting and managing college students, what specific tasks should colleges and universities do?

各高校要切實擔負起學生管理的主體責任。一是大力開展金融知識普及教育，強化金融知識宣傳教育，切實提高學生金融安全防范意識。二是不斷完善幫扶救助工作機制。切實保障家庭經濟困難學生學費、住宿費和基本生活費等保障性需求，解決學生的臨時性、緊急性資金需求。三是全面引導在校大學生樹立科學、理性、健康的消費觀，建立日常監(jiān)測機制，密切關注學生異常消費行為，采取針對性措施予以糾正，努力做到早防范、早教育、早發(fā)現(xiàn)、早處置。

All colleges and universities must earnestly assume the main responsibility of student management. The first is to vigorously carry out popularization and education of financial knowledge, strengthen publicity and education of financial knowledge, and effectively improve students' awareness of financial security. The second is to continuously improve the working mechanism of assistance. Effectively guarantee the tuition, accommodation and basic living expenses and other security needs of students from families with financial difficulties, and solve the temporary and emergency funding needs of students. The third is to comprehensively guide college students to establish a scientific, rational and healthy consumption concept, establish a daily monitoring mechanism, pay close attention to students' abnormal consumption behaviors, take targeted measures to correct them, and strive to achieve early prevention, early education, early detection, and early disposal .

與此同時，各高校還要積極配合相關部門做好有關工作：一是堵偏門，堅決抵制不良校園網(wǎng)絡貸款。各高校要建立聯(lián)防聯(lián)控機制，主動配合公安部門、金融監(jiān)管部門等精確打擊不良校園網(wǎng)絡貸款，維護學生權益。建立實時預警機制，及時以電話、網(wǎng)絡、校園廣播等多種形式向學生發(fā)布不良校園網(wǎng)絡貸款預警提示信息，筑牢防護網(wǎng)。二是開正門，滿足大學生合理的信貸需求。各高校要配合銀行業(yè)金融機構有針對性地開發(fā)手續(xù)便捷、利率合理、風險可控的高校助學、培訓、創(chuàng)業(yè)等金融產品。重視大學生金融服務工作，主動對接銀行業(yè)金融機構，為有合理需求的大學生暢通正規(guī)校園信貸服務渠道，用“良幣”驅逐“劣幣”，著力凈化校園金融市場環(huán)境。

At the same time, colleges and universities must actively cooperate with relevant departments to do the relevant work: First, block the side door and resolutely resist bad campus network loans. All colleges and universities should establish a joint prevention and control mechanism, and actively cooperate with public security departments and financial supervision departments to accurately crack down on bad campus network loans and protect the rights and interests of students. Establish a real-time early warning mechanism, promptly release warning messages of bad campus network loans to students in various forms such as telephone, network, campus broadcast, etc., to build a protective net. The second is to open the front door to meet the reasonable credit needs of college students. All colleges and universities should cooperate with banking financial institutions to develop targeted financial products such as college education aid, training, and entrepreneurship with convenient procedures, reasonable interest rates, and controllable risks. Attach importance to financial services for college students, actively connect with banking financial institutions, unblock formal campus credit service channels for college students with reasonable needs, use “good money” to expel “bad money”, and strive to purify the campus financial market environment.

 

From website：https://baijiahao.baidu.com/