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违约率高、政策趋严 “校园贷”谋求退出校园转型

2016-10-26 10:54:57   武汉晚报

本报讯(记者石伟)近日,本报陆续报道了武汉高校大学生因为外借个人信息,在一些分期消费网络平台陷入欠债“陷阱”。昨天,上海盈灿咨询公司研究员童颖曼向记者介绍,目前全国以校园分期消费业务为主的平台大约有50多家,有多家规模较大的校园分期消费平台目前正在退出校园。

最近一家退出校园的平台是“我来贷”;9月初,“趣分期”(改名为“趣店”)宣布从校园市场转向全社会信用卡消费金融用户;9月27日,“名校贷”宣布进军白领市场;“壹宝贷”10月初宣布退出校园贷市场。记者在采访时,“优分期”也表示已经停止针对学生群体的分期购物业务。

童颖曼介绍,专注于校园市场的分期消费平台正谋求转型,是受多方面影响:校园贷行业目前没有明确的监管单位,“校园贷”行业的不良现象也被媒体反复作为案例报道,企业敏感地感受到了政策趋严的态势。

另一方面,大学生普遍没有经济来源,缺乏还款能力,加上之前各个平台的线下审核模式,容易在申请资料上做手脚,对平台来说学生群体违约率太高,风险很大。

童颖曼说,也有平台开始与银行合作,将贷款人的信用记录接入银行信用系统。如果出现恶意欠款,也有可能会进入银行系统信用黑名单,对贷款人未来的生活产生影响。“不管是不是大学生,都要保护好个人信息。”童颖曼提醒说。

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