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根治校园贷应“良币驱逐劣币”

2017-09-11 08:52:39   中国经济网

但值得关注的是,一些平台尽管停止了网络贷款,可经其包装打扮的各种“变种”又层出不穷,它们或者将先前直接贷现金给大学生模式转为电商购物、分期还款方式,比如“医美分期”、“教育分期”、“旅游分期”等;或者与其他电商网站合作,提倡“先消费、后还款”, 操作手法是将借款直接打给商户,不经过学生,乍一看与校园贷毫不沾边,但受众群体还是大学生。另外,还有一些平台以支持创业与解决就业为饵,吸引大学生贷款接受高价培训,但受训后并未按承诺为大学生提供相关支持,受训者只能硬着头皮还贷。

扬汤止沸不如釜底抽薪。管理层如今以鲜明的态度“一刀切”叫停网贷机构发放校园贷,既彰显了监管的强度与力度,也必然纯净大学消费金融市场。而接下来,政策所要跟进的重头戏就是如何引导商业银行更多地为大学生提供小额信贷服务。

基于原有校园信用卡市场的无序竞争,从而导致坏账率、睡眠率、注销率“三高”的乱象,官方明确规定未满18岁的学生不能从银行取得信用卡,同时向已满18岁的学生发卡要经由父母等第二还款来源方的书面同意。但实际操作中,银行大多停止了对学生发放信用卡。

现在看来,面对庞大的大学生消费群体以及金融机构日渐健全的风控能力,完全有必要重启这扇金融之门。采取的基本方式是,商业银行通过信用卡向在校大学生提供监管层许可的小额、场景化的信贷额度,同时与父母的收入绑定。这样既可以防止信用风险,还能在大学校园达到良币驱逐劣币的效果。(作者系中国市场学会理事、广东外语外贸大学经济学教授)

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