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银行折返校园贷 利率最高不超过6%

2017-09-18 08:51:41   中国经济网

长江商报消息 高校内借款小广告近乎绝迹,银行跑步进校布局以期“良币驱逐劣币”

编者按

一方面是不良校园贷平台的迅速淡出,另一面则银行等正规持牌金融机构的强力挺入。

经过了一年多的行业清理整顿,“一堵一疏”的监管方式改变了校园贷行业的参与者,银监会8年之后重新允许银行成为校园市场的合格放贷主体,行业格局正在被重构。

网贷败走、银行入主、电商蚕食,新入局者正用提供低利率、合规服务改善用户体验。在未来的校园金融市场,不一定会如此前一样迅猛扩张、过度挖掘,但正如多位资深金融人士所言,将更加健康、更加注重防控风险。策划:姚海鹰

□本报记者 但慧芳

曾经“红火一时”的校园网络贷款,正在被清理。

“从2016年开始监管部门就在大力鼓励银行为大学生提供正规的、优惠的金融服务,今年以来尤为明显,银行被‘推上’前台。”9月13日,一位长期从事信贷的银行人士对长江商报记者表示。

的确,一边是曾经叱咤风云的网贷机构终被“禁足”。另一边,则是银行等正规军积极“入场”,一退一进之中,校园贷新格局正在形成。

一周来,长江商报记者走访多所高校发现,部分学校已经与银行携手,让“正规军”银行进入校园,开展助学贷、信用卡、消费贷业务的同时,提供给大学生更多的金融知识和金融理念。

武汉、郑州等多地大学生告诉长江商报记者,在近期班会“晚点名”时,辅导员一再强调,拒绝不正规的“校园贷”,选择银行的正规产品。

银行方面,长江商报记者采访发现,中行、工行、建行等多家银行已经“跑步”进入校园市场,开发多款专门适合于大学生的消费信贷金融产品。而在利率方面,多不到6%,远远低于网络消费信贷10%-20%的水平。

高校中难见校园贷广告,商业银行成高校金融“主力军”

近日,长江商报记者前往多所高校进行探访发现,此前在有些高校内张贴的、随处可见的校园借贷“小广告”已不见踪影,多所高校的一些布告栏、展示牌上,更多是培训、招聘、招租等类型的广告信息。

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