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银行及大电商或成未来校园贷主角

2017-09-18 08:51:41   中国经济网

长江商报消息 银行和网络借贷公司一堵一疏,校园贷市场开启新一轮成长周期

□本报记者 但慧芳

回想起一年前的亏损和关门止损,曾进入“校园贷”领域创业的秦先生内心仍然澎拜不已。

“最高峰时招了600多名校园代理、月度流水数百万,分期平台估值3000万,2016年以后却节节败退,不得不退出。”秦先生告诉长江商报记者。

校园网络借贷停摆的同时,银行成为校园金融“开正门”“斩黑手”的新期待。长江商报记者梳理发现,近10家银行今年以来在发放信用卡、助学贷款之外,新开发了消费贷款产品,对多地多所高校进行产品推广。

银行是否是校园金融市场新的赢家?长江商报记者采访中,多位金融人士认为,校园市场并不是一个“市场化”的领域,其公益属性或高于盈利属性,利润空间和发展速度有限。

“正规银行和电商巨头应该是未来校园贷市场的主要参与者,银行有资金成本的优势,电商巨头有消费场景的优势。”苏宁金融研究院互联网金融中心主任薛洪言曾表示。长江商报记者采访中,这一说法得到多位金融行业人士的认同。

互联网金融“淘金者”退离校园市场

一个轮回之后,像秦先生这样的校园互联网金融“淘金者”,最终不得不退出校园贷市场。

“比谁的价格低,比谁的校园代理提成高,比谁的高校网点铺得多。除了资金实力雄厚的几家,中小平台很快就‘败下阵来’。”秦先生对长江商报记者回忆,在最“热闹”的时期,购物、3C、美容、教育、旅游等均有专门针对大学生借贷平台的身影,大学生网贷平台机构多达100多家。

秦先生一直坚持将平台持续运营到2016年6月决定退出。他说当时的同行中现在还在坚持做校园市场的,几乎少之又少。

“有的平台是基于资金能力不足退出,有的平台是风控跟不上不良率高,还有的平台是后来在监管上不合规,被‘责令退出’。”9月16日,有资深网贷人士对长江商报记者直言。

事实上,2016年4月起,银监会和教育部开始出手整顿校园贷市场。2016年8月银监会明确提出用“停、移、整、教、引”五字方针,整改校园贷问题。今年6月银监会、教育部等发布通知,明确一律暂停网贷机构开展大学生业务,规定已经从事校园贷的网贷机构一律停止增发新标的,并对存量业务制定整改退出计划。

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