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原标题:校园贷被红牌罚下,谁来补位?
近日,针对“大学生校园信贷”问题,教育部给出回应称,任何网络贷款机构都不允许向在校大学生发放贷款,并鼓励正规商业银行发放小额信贷。
校园贷被管理部门红牌罚出场,为大多数人所乐见。其实,在封杀令发出之前,大量校园贷已悄悄退市。截至6月底,全国共有59家校园贷平台选择退出校园贷市场,其中37家平台选择关闭业务,占总数的63%。
校园贷被封杀之后,谁来当学生贷款的“接盘侠”?校园贷在高校泛滥成灾,一方面是市场有需求,如今的大学生消费观念较为超前,乐于接受“先消费后还钱”的消费模式;另一方面是校园贷普遍门槛低、到账速度快,很多校园贷只需要身份证和学生证就可以了,比许多正规途径贷款方便多了。校园贷退场之后,市场需求依然旺盛,必须有替代产品去满足这一空白。
正规商业银行被寄予厚望,接着的问题又来了,在大学生非常看重的低门槛、免担保等方面,银行贷款能做到吗?恐怕不易,在校大学生没有稳定的收入来源,也缺少可以抵押的资产,仅仅在资格审核环节,银行风控部门都不一定能通过。事实上,2006年前后,建行、招行等多家银行也曾面向大学生发放信用卡,后来由于逾期、不良贷款率高等乱象,被监管部门叫停。
当年,银行纯粹看收入与资产,在校大学生无法满足要求,而今天,已多了一个“利器”——个人征信体系建设逐渐完善。若将这个资源利用起来,是不是有助于降低大学贷款门槛呢?银行不妨试试。 (连海平)
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