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国内多家银行陆续推出正规产品 校园贷正门打开

2017-09-14 06:51:29   中国经济网

随着“校园贷”监管整治力度加大,其正规军力量日益壮大。9月11日,中国工商银行正式对外宣布推出个人信用消费贷款“大学生融e借”,该业务目前已在北京、哈尔滨、上海、南京、威海、武汉、广州、成都、西安、杭州10个城市的15家高校开展试点,后续还将陆续推广到更多高校。

除了工行,目前还有中国建设银行、中国银行、招商银行、青岛银行等机构推出了“校园贷”产品,以更好地满足大学生小额贷款需求。

“此前,部分互联网金融平台的‘校园贷’产品暴露出巨大风险隐患,甚至出现了滥发高利贷、暴力催收、裸条贷款等违法违规现象,严重侵犯了大学生的合法权益。”中国银监会相关负责人说。他表示,部分大学生有创业需求,有超前的消费观念,借助互联网金融东风,互联网贷款申请的便利性大幅提升,这一系列因素均促使“校园贷”快速发展。

为此,需要“开正门、堵旁门”。今年6月份,银监会、教育部、人力资源和社会保障部联合印发《关于进一步加强校园贷规范管理工作的通知》,要求进一步加强治理,有效防范和化解校园贷风险。

所谓“堵旁门”,是指此前从事校园贷业务的P2P网贷机构一律暂停新发校园网贷业务标的,根据自身存量业务情况退出整改。

“未经银行业监督管理部门批准设立的机构,不得进入校园为大学生提供信贷服务,监管部门将联合各方力量,加强整治,及时纠偏。”上述负责人说。

所谓“开正门”,是指鼓励商业银行和政策性银行进一步针对大学生合理需求研发产品,提高对大学生的服务效率,补齐面向校园、面向大学生金融服务覆盖不足的短板。

具体到此次工行推出的“大学生融e借”产品,凡年满18周岁且信用状况良好的在校大学生,均可在工行网点完成面签后,通过工行的手机银行、网上银行、工银e生活APP等渠道申请办理。

“针对大学生群体的消费特点、消费习惯和承受能力,‘大学生融e借’在产品设计上作了充分考虑,提供了利率优惠。”工行牡丹卡中心相关负责人表示,根据大学生的在读学历,贷款金额最高可达2万元,无需抵押担保。

“目前申请还可享受原利率8.7折优惠。”他说,以借款1万元为例,分1年12期偿还,使用“大学生融e借”总利息为308.95元,平均每天利息不到0.9元。

此外,工行还为大学生提供了丰富的校园金融产品。例如,试点高校学生可申请工银宇宙星座信用卡(校园版),与“大学生融e借”共享授信额度,并享受免年费、3天还款宽限期的容时服务、最低还款宽限差额10元的容差服务等权益。

“正规军在提供信贷产品的同时,还需要引导大学生树立健康的消费理念和信用观念,如必需品消费、理性消费、创业资金使用等。”招商银行相关负责人说,该行一方面推出了大学生“闪电贷”,另一方面高度关注大学生教育,在其个人贷款公众号上不定期推送贷款申请指引、福利优惠、诈骗识别等内容,进一步普及金融知识。(经济日报记者 郭子源)

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