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高校代办银行卡,到底方便了谁?

2017-08-15 03:46:45   中国青年网

漫画/余宁山

漫画/余宁山

长沙晚报记者 陈登辉

8月,高校新生大多已收到了录取通知书。许多学生和家长发现,随着录取通知书一同到手的,还有一张银行卡。按照校方的普遍说法,这张银行卡是用来收缴学生学杂费的,有些甚至还兼具校园卡的功能。这一看似方便学生和家长的做法,却广受社会热议。部分学生、家长和法律人士认为,高校未经当事人许可包办银行卡,有侵权之嫌,不应提倡。记者近日采访了多位不同高校的学生,并咨询了律师,探讨学校之举是否妥当。

正方观点:学校代办既方便又安全

在记者采访的11位高校学生中,既有来自湖南的高校,也有外地的知名大学,他们手中都有各自学校代办的银行卡,而这些银行卡的开户行也各有不同,以国有四大行为主。

11位学生中,超过半数认为学校代办银行卡并无不妥。“这张银行卡不仅可以自动扣缴学费,还能充当饭卡、水卡等等,很方便。”湖南某高校的刘同学表示,自己以前初中、高中交学费用的银行卡,也都是学校代办的。

今年刚刚考上大学的马同学表示,自己的录取通知书里就有一张银行卡,“收到卡之前并没有让我签什么协议,但也没有感觉有什么不妥。”他还表示,现在校园贷等金融产品比较多,使用学校代办的银行卡,家里人更放心。

记者从长沙某银行了解到,一般办理一张借记卡是需要办卡人提供身份证原件、面核才能顺利开卡,仅提供身份证信息和姓名是无法开卡的。根据相关规定,有代缴款等需要的单位可以集体开立借记卡,但需要对其真实性承担责任,且须本人持有身份证原件到网点办理激活并当场修改密码后才能正常使用。

反方观点:擅自使用学生隐私信息不妥

来自湖南某大学的盛同学持有不同观点,他觉得这样是剥夺了学生选择银行的权利。盛同学认为,学校与银行之间存在合作关系,有利益交往,“因为学生这么多,一定程度上肯定是为银行增加了开户量,还能帮助银行揽储。”但是银行这么多,凭什么要求学生一定要在某家特定的银行开户呢?

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