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全国政协委员李晓林:引导校园贷健康发展才是上策

2017-04-25 16:01:27   

近期,针对校园贷出现的诈骗行为,央视《新闻1+1》栏目进行了专题报道,使得校园贷再度成为舆论关注的焦点,甚至有人列出了校园贷的“原罪”。全国政协委员李晓林表示,对待校园贷,不能一棍子打死,要从行业发展的角度看待问题,“宜疏不宜堵”,引导校园贷健康发展才是上策。

鉴于此,李晓林认为,有必要培养大学生征信意识,建立征信体系,鼓励市场为大学生群体提供定制化、标准化的金融服务,使校园互联网金融实现良性发展。

全国政协委员、北京林达投资集团董事局主席李晓林

对在校大学生来说,每个月生活费有限,他们除了基本生活之外,也有额外购物需求,比如购买电脑、手机等。在传统金融机构无法满足需求的情况下,校园贷平台可以有效帮助大学生度过大学时期的学习和生活。

和讯网发布的一项调研数据显示,对于很多“囊中羞涩”的大学生来说,除了靠自己“努力打工或攒钱”,有 53.2%的大学生群体都会选择利用“互联网分期购物平台购买,再偿还”的方式来满足消费需求。

但在这个过程中,确实也有些学生因虚荣心驱使超额消费,尤其是向不良平台借款,借新还旧、不断补窟窿,陷入恶性循环的情况发生。

针对这些情况,全国政协委员李晓林建议,首先要加大不良网络借贷平台监管力度,建立校园不良网络借贷实时预警与处理机制;其次,要引导学生树立合理消费观,同时也要加强金融、网络安全知识普及力度,包括个人信息保护意识。还有,就是加大学生资助信贷体系建设力度,充分挖掘校内外资源,筹集专享基金,作为国家资助体系的有益补充。

谈及具体实施举措,李晓林认为可从几个方面着手:

一是完善对大学生的低息、无息助学贷款服务,引导学生理解助学金融的真正含义。

二是遵循教育部及国家开发银行对助学金融的定义和指导方向,联合知名企业家、社会各界爱心公益人士、慈善组织与机构,成立专项基金,为优秀的大学生补贴贷款利息,为其提供助学贷款、教育分期培训、出国留学奖学金、创业梦想基金等标准化、规范化和定制化的金融服务,净化校园金融市场环境。

三是通过对法律允许范畴内的大学生学籍信息、获奖记录、助学贷款、创业贷款等数据的合法收集与积累,帮助大学生在线生成诚信档案,及早构建校园征信体系。

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