College students Internet consumer loans are subject to stricter supervision, which institutions ar

Internet consumer loans for college students ushered in stricter supervision, a Beijing mutual finance industry practitioner said that his company has no longer do student business in the credit sector, but he believes thatThe prevailing view in the industry is that Ant Group will be more affected。He also believes that the "Notice" requires the second repayment**, which has a greater impact on financial institutions to do this part of the users.

He said that financial institutions can also be student users, but it is very troublesome to ask for a second repayment**, for example, a second repayment is required to open a credit card** - the confirmation of parents may have some restrictions, "It will not expand this part of the customer base so much." ”

According to the "Notice", it is necessary to strictly review the pre-loan qualifications, substantively review and identify the identity of college students and the real purpose of the loan, comprehensively assess the credit information, income, tax and other information of college students, fully understand the credit status, strictly implement the second repayment of college students, confirm the authenticity of the identity of the second repayment ** through reasonable methods such as **, and obtain the written guarantee materials of the second repayment ** (parents, guardians or other administrators, etc.) with the ability to repay the loan (parents, guardians or other administrators, etc.) who agree to their loan behavior and are willing to repay on their behalf. Strictly control the credit qualifications of college students.

College students' Internet consumer loans ushered in supervision, in fact, the impact of formal institutions is larger, I refer to the formal institutions are those who are not the Internet big financial companies of the formal online lending institutions, in the previous due to lax supervision, they have a lot of gray areas to operate, at the same time, college students have no resistance to the Internet consumer loans, but this does not mean that the future of college students in the Internet consumer loans can be converged, first of all, the first point, consumer online loans are very sensitive at the moment, Some miscellaneous and informal companies will also operate underground, although many people know that it is illegal and illegal, but money can make the devil grind.

At the same time, the tide of Internet consumer loan companies has receded in the past few years and cannot set off waves, but this model of Internet consumer loans has been inherited by almost all the current Internet large financial companies, whether it is Jingdong's Baitiao or Alibaba's Huabei! Tencent also has its own consumer loans, and any shopping platform also has its own loan window and loan business, it can be said that for these companies, the impact is really not big, after all, they have a strong base.

Nowadays, Internet consumer credit for college students has become an emerging consumption model. However, this new type of consumption of the imperial stove also brings some potential risks. First of all, college students generally have a lack of credit knowledge, and they often fall into credit traps and are unable to correctly judge their financial situation, thus exposing them to financial risks.

Second, college students are often unable to repay their credit on time due to their limited income, which can lead to them falling into debt crisis. In addition, since college students are under the age of 18, they may be induced or forced to engage in inappropriate consumption behaviors, which can lead to greater financial risk.

In conclusion, college students' Internet consumer credit should be given enough attention to prevent students from falling into debt crisis. Schools should provide credit training for college students, and talk about how to control credit consumption to avoid overspending.

This provision is correct.

According to the official website of the Bank of China, in order to strengthen the supervision and management of college students' Internet consumer loan business, microfinance companies are not allowed to set college students as the target customer group of Internet consumer loans, and are not allowed to target college students for precision marketing, and are not allowed to issue Internet consumer loans to college students. Under the premise of controllable risks, banks and financial institutions can develop targeted and differentiated Internet consumer credit products.

It is necessary to strictly limit the loan balance of the same borrower and the total business scale of college students' Internet consumer loans, strictly review the pre-loan qualifications, and implement the second repayment of college students, and require all local financial supervision and management departments and all banking and insurance regulatory bureaus to include small loan companies, consumer finance companies and other lending institutions in the scope of rectification on the basis of the rectification of campus loans of online lending institutions in the early stage, and further strengthen the supervision, inspection and investigation of college students' Internet consumer loan business.

It is still very necessary to standardize the Internet consumer loans of college students, and now many college students choose to take out loans for various reasons, and often receive debt collection from loan companies, which is miserable. So, what are the reasons why college students generally choose to take out loans? Personally, I think there are three reasons for this.

First, the living expenses on hand are not enough

Nowadays, the consumption level of college students is also quite high, and some people do not have enough living expenses of two or three thousand a month, and they do not want to ask their parents for money, so they will choose to take out loans.

Especially for those students who fall in love during college, because the expenses of two people together are often not enough, the little living expenses given by their parents are often not available in a few days, and what should I do if I have no money? You can only choose to take out a loan.

2. Buy electronic products

Some college students like to buy electronic products, and the ** of an electronic product needs thousands, and they have no money in hand, so they can only choose to take out a loan.

Although the interest rate of the loan company was very low, after the college student borrowed the money, when he was ready to repay, the amount was different from what he said.

Therefore, it is easy for college students to pay back the money, and then the profits turn into a lot of money, which is far beyond their means.

3. Buy luxury jewelry

For the sake of the so-called face, some college students are famous brands all the time, but in fact, their own family background is not able to meet their own outfits, but in order to pretend to be forced in front of their classmates, they will choose to take out loans and buy some luxury goods and brand-name goods.

Then take the luxury goods you bought to your classmates and brag about how rich you are and how much effort you have wasted to grab the products.

Although the face is supported for a while, the follow-up loan repayment pressure is also huge, after all, college students have no income, and it is unrealistic to rely on a little living expenses given by their parents to repay their debts.

Therefore, as a college student, when you can't afford to buy some products, you can choose not to, or wait until you have the ability to buy them, after all, it is really not a wise way to increase consumption and overdraft.

Out of the psychology of wanting to make money. Many college students want to make money, but they don't have enough money, so they get money through loans.

With the increase in the consumption level of students. The cost of living is not enough. But also because of the face to buy luxury goods and electronics.

That's because some students who have just entered the university do not have a good degree of recognition, and there will be a certain comparison psychology between them and students, which will lead to excessive consumption in advance.

Maybe you want to buy more high-end cosmetics or high-end shoes, just out of vanity.

I think it's usually out of vanity that I take out loans, and I want to buy clothes and shoes and so on, and compare myself with everyone.

I think college students generally take out loans because of the pressure of life and the inability to pay tuition fees.

The Dangers of Campus Loans.

1.Campus loans are usurious in nature.

Criminals target colleges and universities, taking advantage of the disadvantages of college students' poor social cognitive ability and weak psychology to carry out short-term and small-amount loans, which on the surface seems to be "small profits but quick turnover", but in fact, the interest rate obtained by criminals is 20-30 times that of banks, and they arbitrarily earn students' money.

2.Campus loans breed the vices of borrowing students.

The economy of college students mainly depends on the living expenses provided by their parents, and if students have a comparison mentality and usually have bad habits, then the expenses provided by parents will definitely not be enough to meet their needs. Therefore, these students may turn to campus loan sharks to obtain funds, and lead to bad habits such as gambling and alcoholism, and in serious cases, they may skip classes and drop out of school due to inability to repay their loans.

3.If the loan cannot be repaid in time, the lender will use various means to collect the debt from the student.

Some lenders will ask for items of a certain value for collateral when making loans, and they will collect copies of students' student IDs and ID cards, and they are very familiar with students' personal information, so once students fail to repay the loan on time, lenders may use intimidation, beating, threats to students and even their parents to violently collect debts, causing major harm to students' personal safety and campus order of colleges and universities.

4.There are criminals who use "usury" to commit other crimes.

Lenders may use campus "loan sharks" to defraud students of collateral and security deposits, or use students' personal information to defraud, fraudulently obtain credit cards, etc.

The China Banking and Insurance Regulatory Commission and other departments recently jointly issued a notice to regulate Internet consumer loans for college students, clarifying that microfinance companies are not allowed to issue Internet consumer loans to college students.

In fact, I think that online loans for college students should indeed be banned, because many college students are troubled by this aspect.

It should be because many college students now have a big problem with their consumption concept, and they will also consume in advance through loans. In the end, it brought a lot of financial pressure to myself.

It must be prohibited, now college student loans are more frequent, and online loan chaos also occurs frequently, which seriously infringes on the mental health of college students and affects the civilization of society.

Online loans for college students should indeed be banned, as they are now completely unable to repay the high interest rates that come with their online loans.

Yes, college students themselves do not have the ability to repay, but instead use loans, which also causes a lot of pressure on their lives.

It should be banned, because college students are still in a stage of learning knowledge, and they do not have the ability to repay normally, and blind consumption will have a great impact on their families and society

It should be banned, because some students who have just entered the university are not able to distinguish right from wrong well, and excessive consumption ahead of time is easy to lead them astray and affect their studies.

It should be forbidden so that they don't spend too much in advance and don't leave them with a lot of loans during their time in college.

I think it should be banned because it will greatly increase the risk of indebtedness for college students, and even affect their studies and employment.

It may have a great impact on those institutions that are mainly for the purpose of borrowing, because college students are definitely a consumer army in this regard, but college students have no economy, so once the consumption of college students in this area is restricted, the impact of these institutions will be great. <>

There are various pitfalls associated with loans in China, especially for college students who are unable to earn money. If they rely too much on online loans, it will have a great impact on their studies and life. In addition, it will also bring huge economic operational risks to China's entire national economy, and cause huge harm and impact to China's entire national economy.

Therefore, it is necessary for the state to regulate the corresponding consumer loans, so that these college students cannot overdraft their lives in advance. If the loans of these college students cannot be repaid in time, it is likely to have a very serious impact on their studies, and even some students with a bad mentality may end into a dead end. Due to the difficulties of Internet regulation, some Internet lending companies have emerged.

But for these loan companies, most of them often do not have the corresponding qualifications, just have a name, but can lend the money to college students, because most college students have better self-confidence. So these college students can also ask their parents for money. So these so-called loan companies are eyeing this group of people, passing by all sorts.

Then, these college students who don't know much about finance are blackmailed by the Internet.

In recent years, some college students have reached a dead end because of many online loans, and even ended their lives. Therefore, in order to diagnose this situation, the state proposes corrective measures accordingly. At present, it is strictly required that most online loan companies cannot lend these consumer loans to these college students, and cannot let these college students consume their future expenses in advance, so that these college students know the importance of saving expenses.

At the same time, they should also educate these college students on financial literacy and make them aware of the pitfalls involved. <>

On the whole, this is a good way to protect college students, because every year because of these things affect a lot of college students, although this reduces their spending power, but let them study more at ease, for the future social construction of more security.

The biggest impact should be Ant Group, which is often referred to as Huabei and Borrow, and the limitations of these software will have a great impact on them.

The first point is that the institution of the loan will definitely be affected, not as fast as before, the second point is that some banks related to some loans will also be greatly affected and impacted, and the third point is that some networks related to loans will also be greatly affected.

I think that the lending institutions and the supervisory institutions have a greater impact, because for the lending institutions, the business scope of the group without college students is narrowed, which has a certain impact on the development of the company. For the supervisory authorities, they need to maintain higher vigilance to monitor the lending platform, so the impact is relatively large.