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校园贷市场迎拉锯战

2017-09-20 09:12:31   中国经济网

随着监管部门频频向“校园贷”亮剑,“创业贷”、“美容贷”等花式“变身”无孔不入。记者发现,虽然线下的小广告似乎已经“隐退”,但线上的传播依旧凶猛。一张身份证,一本学生证,甚至不用本人签字,大学生小朱在网络广告的忽悠下,仅十分钟就从网贷机构贷到了上万元的美容手术费。好在手术前“清醒”过来,她要求终止合同,却被要求付高额违约金。

与此同时,一批网贷中介更是打着“身份审核”的幌子,以各种“甜头”引诱借款学生告知个人信息,并委托中介“代办”,从中获取高额手续费。在北京潮阳律师事务所律师胡钢看来,目前不合法的校园贷已衍生为欺诈贷、隐私贷、强迫贷等多个“变种”。

需求旺盛 银行唱主角需闯关

网贷败走、银行入主,“一堵一疏”的背后是一场“良币驱逐劣币”的校园保卫战。数据显示,我国高校现有超过3700万在校大学生,如每人每年有5000元的潜在消费需求,那么,校园信贷的市场规模或将达百亿元级别。

事实上,这已不是银行系第一次进军大学生消费市场。早在2002年,银行就曾推行大学生信用卡,但由于大学生群体信用卡透支现象频出,加大了银行的坏账风险,银行逐渐退出了校园市场。此次“二进校园”,如何唱好主角儿,实现“叫好又叫座”,恐怕仍需闯关。

日前,北京银监局联合中国银行走进中国政法大学,为大学生送去金融知识的“弹药粮草”。记者随机采访发现,虽然不少学生深知要远离不合规的网贷平台,但对银行系推出的几款校园贷产品并不熟悉。其中,很多学生是蚂蚁花呗、京东白条等大型电商分期产品的拥趸。

“银行二进校园,关键在于是否能规范大学生市场。比如,单一银行能否防范多重授信的问题,如果多家银行都对一个大学生授信,就会造成信用额度膨胀。”我爱卡信用卡市场资深研究人士董峥说。此外,在一些业内人士看来,随着网贷机构被清退,银行系与大型电商平台拥有数据和渠道优势,有望在校园市场拔得头筹。

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