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政协委员戴晓凤:管好校园贷,先得普及大学生金融常识

2017-04-26 17:02:25   

近日,有关校园贷平台的不合规操作及大学生卷入校园贷纠纷的报道不时见诸报端。全国政协委员戴晓凤近日发布专栏文章认为,想要管理好校园贷,就应该加强对大学生的宣传,普及金融常识,另外,还应该对涉及校园贷的平台加强监管,坚决取缔不合规平台。

对于学生们的借贷需求,戴晓凤认为无外乎由几个方面构成:一是学费,二是基本生活费,三是想创业,四是各种诱惑导致的众多非理性消费需求。

戴晓凤直言,现在一些提供贷款的机构、从业者不择手段,道德缺失,向没有任何收入来源的学生提供非生产性的贷款,因相对高的利率,构成典型的高利贷,并且存在恶意催收,导致裸照、跳楼等恶劣后果。再加上长期以来,我们国家对于放贷机构及从事放贷业务的行为人没有有效的准入及管理办法,导致不法分子乘虚而入的情况屡禁不止。

“青年人是国家的未来和希望,规范校园不良网络信贷关乎国家发展。校园贷是为了便利和保证大学生安心上大学,应该是绿色贷,因此,对于不合规的借贷平台,要坚决取缔。” 戴晓凤表示,此外还应该加强对大学生的宣传,普及金融常识。“不良校园贷的存在,是缺乏基本金融常识的结果,如果有(借贷)风险意识,不会犯这种错误。”

她还提到,针对存在学费、创业借贷需求者,国家一方面应该要加强对银行学费贷款支持力度,完善贷款风险补贴体系;另一方面要加强众创空间、大学生创新创业指导中心的建设,建立风险投资通道。

针对校园贷市场出现的“发展中的问题”,银监会主席郭树清也对校园贷引发的恶性事件进行了反思。郭树清指出,银监会及银行业对整治校园贷也有责任,正在研究如何让银行更好地为大学生提供贷款服务,“把正门打开”。

郭树清表示,一些网贷机构在校园内违法违规开展高利贷,恶性事件频发,社会影响极坏。“社会批评我们银行对大学生的信贷业务服务不到位,他们找不到地方贷款就找网络或者社会上的高利贷。商业银行应研究如何把对大学和大学生的金融服务做到位。”

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