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新规:明令禁止任何网贷机构向在校大学生贷款

2017-09-06 18:46:48   央广网

9月6日,教育部财务司副司长赵建军在教育部新闻发布会上表示,根据规范校园贷管理文件,任何网络贷款机构都不允许向在校大学生发放贷款。为了满足学生金融消费的需要,鼓励正规的商业银行开办针对大学生的小额信用贷款。

近年来校园贷的高额利息、暴力催收、裸条借贷,高校学生因之身陷“泥潭”的新闻也屡见报端。

据环球科技此前报道,为了苹果手机,19岁女孩小敏(化名)从“校园贷”借了12500元。钱还不上,就又从其他校园贷借款,8个月过后,这笔钱“滚”成了23万元,被对方发裸照逼债。大二男生因网游陷校园贷被威胁,半年背32万巨债,被频频威胁,举家还债。

今天(9月6日)上午,教育部召开新闻发布会,请教育部财务司副司长赵建军等人介绍十八大以来学生资助政策体系建立情况和政策落实情况,教育部新闻发言人续梅主持发布会。

对于近两年部分大学生因为高消费陷入校园贷的泥潭,甚至有学生因此而自杀的事件,赵建军回应“学生为什么借了钱后会陷入校园贷?”称,因为未来要偿还的利息很高,为什么有这么高的利息学生还要去借这个贷款呢?是因为很多所谓的网络平台机构,在宣传方面做了不诚实的宣传、虚假的宣传,告诉学生这个贷款很方便,很便宜。学生在这种情况下,由于金融知识还不是很丰富,去借了贷款,最终成了高利贷,利滚利,有的学生到了还不起的状态。社会上不良的网贷机构,虚假宣传,引诱学生,造成这种现象。

赵建军透露,去年以来教育部和国务院有关部门,主要是银监会、公安部、网信办、工商总局几个部门联合出台了很多措施、很多文件来治理校园贷的问题。尤其是今年初,上半年教育部和银监会、人力资源部联合印发了规范校园贷管理的文件,这个文件明确取缔校园贷款这个业务,任何网络贷款机构都不允许向在校大学生发放贷款。

教育部对于这种学生的消费情况和现在存在的问题有没有一个解决的办法?

赵建军表示,为了满足学生金融消费的需要,鼓励正规的商业银行开办针对大学生的小额信用贷款。据他了解,不少银行已经开办了这项业务,像中国银行、建设银行等。同时,教育部还要求各高校要认真做好学生的教育,加强对学生金融知识的教育,加强不良校园贷的警示教育,引导学生不要上当受骗。

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