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清华大学教授朱宁:校园贷的本质是消费贷和小贷

2017-04-28 15:30:41   

近两年来,越来越多的大学生以个人信贷方式提前消费,从电脑升级到换部手机,从购买健身年卡到长假参团旅游,由此催生出火热的“校园贷”市场,与此同时,众多电商平台、专业消费金融公司、互联网金融平台也纷纷把目光瞄准大学生群体。

然而,这一新兴市场也存在很多问题与隐患:一些平台和机构通过低门槛借贷引诱过度消费,不注重贷款人信息保护,以违法方式催还贷款。从已经曝光的案件看,某些“校园贷”一直游走在监管的灰色地带,不仅侵害贷款人权益,还扰乱金融市场秩序。

谈及校园贷行业出现的种种问题,清华大学国家金融研究院副院长朱宁教授表示,校园贷发展过程中出现的问题,也应正视。由于一些学生对个人征信记录、个人信息保护不够关注,导致其轻易与其他同学分享自己信用信息,由此引发一些受骗上当现象由此可见,学生消费应当量入为出,和自己需求匹配,同时需具备金融和风险意识,在培养情商,智商以外还需具备一定的财商,对自己每个行为带来的后果要有清晰的认识。

“从金融领域来讲,并没有一个校园贷的概念,只是小额贷款发生在校园,服务校园人群,不要被‘校园贷’这个名字迷惑,校园贷的本质是消费贷和小贷,所以,应该为‘校园贷’正名。这就要求遵循监管的相应的条款进行有效监管,协同推出合理政策。毕竟一旦大学生无偿还能力,对于平台来说,也是一种伤害,不仅对互金行业的整体发展造成不良影响,甚至造成行业的停滞。”朱宁说。

朱宁认为,目前的现状是金融创新走在了监管前面一步,才出现了这样那样的问题。所以要正视金融创新,在肯定创新的同时,要意识到背后的风险,让消费者既能享受金融创新带来的好处,又能意识到金融创新背后的风险。

南京财经大学金融学院张欢也表示,大学生在校期间,由于紧急原因需要资金周转, “校园贷”可为其解决燃眉之急,方便、快捷的“校园贷”提升了自己整体效用;大学期间的校园贷款经历大大提升了自己独立解决问题的能力,通过努力奋斗偿还贷款的经历能够让他更好的面对职场;另外,“校园贷”是一种合理负债,能够让在校生提前养成理财意识,提高金融素养。

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