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预防校园诈骗应开展反洗脑教育

2017-08-21 04:11:27   中国青年网

【光明时评】

近期,一种专门面向求职大学生的贷款——“培训贷”粉墨登场,成为校园贷新乱象。媒体调查发现,一些培训机构以参加培训即推荐工作为名,诱惑大学生申请贷款交高额培训费。一旦接受培训,大学生便背负贷款和高额利息,如果想要中途退出培训,须向培训公司交学费20%的“违约金”,有的“违约金”甚至高达培训费用的40%。

从不良校园贷到传销,再到“培训贷”,骗子把大学生当成“傻白甜”,更多是因为该群体整体涉世不深、防骗意识薄弱。每有大学生沉陷骗局,有识之士总不忘提出严惩诈骗者或防惩结合。然而,在与骗子的斗争中,监管部门似乎“天然”处于三大不利困境。

一是先有新骗局,后有强监管。校园贷如此,“培训贷”亦如此。监管不可能走在骗局之前,再神勇的监管部门恐怕也难以预料“培训贷”之后还会出现什么贷。二是先有媒体曝光,后有监管介入。“培训贷”暗流汹涌,如果没有媒体报道,监管介入往往可能慢几拍。三是先有人受害,后有司法处理。如果没人受害或者当事人受害程度不深,很难引起舆论关注。

明乎此,便知遏制诈骗实属不易。这就需要从两方面入手。一是以不变应万变。任尔东西南北风,我自岿然不动,用业内人士的告诫就是,对于没有稳定收入来源、缺乏风险管控能力的大学生而言,除助学贷这一类贷款外,应该远离消费性贷款。换言之,只要涉及贷款,就多留个心眼,对那些披着七彩马甲的消费性贷款一概拒之门外。

另一方面是以变应变。高校不是密不透风的城堡,大学生无法绝缘于各种诱惑。面对美丽的谎言、矫饰的陷阱、潜在的风险,大学生要么手足无措,要么“欣然”中招,面对变化多端的新套路,大学课堂不妨相识而动,以动治动。“你有张良计,我有过墙梯”,在课堂上通过案例剖析、师生互动,让大学生有针对性地强化自我防范能力,不失为破解之道。

近年来,博雅教育在各大高校颇为盛行。推行博雅教育,可提升大学生人文素养,也可丰富其知识框架。但是,不少大学在接纳博雅教育的同时,却排斥实用技能教育,仿佛教育一旦实用就变得功利化,大学教学就不再高大上了。殊不知,实用技能教育不管在目前还是在未来,都是非常必要的。国外大学课堂也不排斥实用教学。在德国,学前教育阶段就已开始教授火灾逃生等基本防范常识。他山之石,可以攻玉,我们也应从中小学就开始向学生传授生存之道,只让他们陷于繁重作业而废弛生活常识,是缺乏远见,也是不负责任。

培育价值观需要扣好第一粒扣子,健康成长也需要扣好第一粒扣子。无论是传销还是“培训贷”,一大共性就是对受害者洗脑,我们有必要来一场持续而深入的反洗脑教育。在这场没有硝烟的较量中,青少年扣好了“扣子”,骗子得逞的空间就会更逼仄。

(作者:王石川)

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