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江苏各界探讨“校园贷”发展 专家:堵不如疏

2016-08-29 16:23:46   人民网

人民网南京8月28日电 (顾姝姝)正值开学季,有关“校园贷”的话题再次进入公众视野。28日,在由南京财经大学中国区域金融研究中心联合付融宝普惠金融研究院举办的2016“付融宝杯”校园贷政策场景辩论会上,来自高校、金融等领域的专家辩手就“校园贷”问题展开激烈辩论。

辩论会上,正方领辩、东南大学电子商务与互联网经济研究中心主任吴清烈从金融普惠角度,表明正方立场。吴清烈表示,发展“校园贷”是金融普惠性在大学校园的体现,合规“校园贷”是帮助大学生解决困难的重要渠道,还可以帮助学生提高信用意识、风险意识。因此,发展“校园贷”总体来说利大于弊。南京审计大学金融学院副院长刘骅认为,发展“校园贷”能够激发在校生合理的消费潜力,助力在校生养成独立的消费习惯,因此,要按照“堵不如疏”的理念来对待“校园贷”。

“在互联网金融专项整治之前,‘校园贷 ’的审批过程大多在线上完成,缺乏正规的授信审核,其资产端质量得不到保障,企业面临着较大的信用风险和流动性风险敞口;部分不合规的平台存在个人信息被盗用的风险,由于平台审核门槛低,盗用同学身份信息获取贷款的案例时有发生,信息被盗用的学生会因此面临着信用记录抹黑、平台催收还款等风险。 ”反方代表吉林银行资产负债管理部总经理张光华一口气指出了“校园贷”的多重“罪名 ”。

长三角互联网金融研究院专家委员会专家陆岷峰则认为,“校园贷”作为成长链金融产品之一,具有促进消费、拉动投资、驱动经济发展等价值;“校园贷”本身并无社会属性,但如果被别有用心的违规平台利用,接受服务的在校大学生又不具备成熟的金融理念,“校园贷”这个工具就会反向危害社会。

据不完全统计,仅2014年,全国普通本专科在校生已超过了2000万人次,按在校大学生每人每年需要5000元的标准来估算,国内‘校园贷’市场规模可达数千亿人民币量级。

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