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银监会:暂停网贷机构开展校园贷 要明确退出时间表

2017-06-17 11:28:14   参考消息网

据江西金融办官网6月16日披露的文件显示,中国银监会、教育部、人力资源社会保障部5月27日下发了《关于进一步加强校园贷规范管理工作的通知》(《通知》),要求未经银行业监管部门批准设立的机构禁止提供校园贷服务;且现阶段一律暂停网贷机构开展校园贷业务,对于存量业务要制定整改计划,明确退出时间表。同时,杜绝公共就业人才服务机构以培训、求职、职业指导等名义,捆绑推荐信贷服务。

《通知》指出,2016年银监会、教育部等六部委《关于进一步加强校园网贷整治工作的通知》印发以来,部分地区仍存在校园贷乱象,特别是一些非网贷机构针对在校学生开展借贷业务,突破了校园贷的范畴和底线,一些地方“求职贷”“培训贷”“创业贷”等不良借贷问题突出,给校园安全和学生合法权益带来严重损害,造成了不良社会影响。

《通知》对校园贷规范管理作出了以下要求:

1.疏堵结合,维护校园贷正常秩序。一方面,商业银行和政策性银行在风险可控的前提下,有针对性地开发高校助学、培训、消费、创业等金融产品;另一方面,未经银行业监管部门批准设立的机构不得进入校园为大学生提供信贷服务。

2.整治乱象,暂停网贷机构开展校园贷业务。现阶段,一律暂停网贷机构开展在校大学生网贷业务,逐步消化存量业务。要督促网贷机构按照分类处置要求,对于存量校园贷业务,根据违法违规情节轻重、业务规模等情况,制定整改计划,确定整改完成期限,明确退出时间表。对拒不整改或超期未完成整改的,要暂停其开展网贷业务,依法依规予以关闭或取缔,对涉嫌恶意欺诈、暴力催收、制作贩卖传播淫秽物品等严重违法违规行为的,移交公安、司法机关依法追究刑事责任。

3.综合施策,切实加强大学生教育管理。一是加强引导,现阶段,学校应向每一名学生发放校园贷风险告知书并签字确认,每学期至少集中开展一次校园贷专项宣传教育活动,加强典型案例通报警示教育。二是建立排查整治机制。未经校方批准,严禁任何人、任何组织在校园内进行各种校园贷业务宣传和推介,及时清除各类借贷小广告。畅通不良校园贷举报渠道。三是建立应急处置机制。对于发现学生参与不良校园贷事件要及时告知学生家长,会同学生家长及有关方面做好应急工作,将危害消灭在初始状态。四是切实做好学生资助工作。五是建立不良校园贷责任追究机制。

4.分工负责,共同促进校园贷健康发展。各地金融办(局)和银监局要加强引导,鼓励合规机构积极进入校园,为大学生提供合法合规的信贷服务。要制定正负面清单,明确校园贷市场参与机构。各地教育主管部门、各高校要切实采取有效措施,做好本地本校工作分层对接和具体落实,筑好防范违规放贷机构进入校园的“防火墙”。各地人力资源部门要加强人力资源市场和职业培训机构监管,依法查处“黑中介”和未经许可擅自从事职业培训业务等各类侵害就业权益的违法行为,杜绝公共就业人才服务机构以培训、求职、职业指导等名义,捆绑推荐信贷服务。

责任编辑:陈倩 CN030
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