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校园贷“正门”已开,能给大学生“贷”来满意吗

2017-09-28 19:12:51   

一方面,线上渠道更受大学生欢迎;另一方面,风险大、利润薄也是银行自身对校园贷望而却步的主要原因。不少银行机构负责人坦言,校园贷款虽然有利于活跃消费,也能帮助银行创造贷款收益,但由于其服务对象主要是在校大学生,信用建设难度大,还款上很容易出现逾期,且限制多,再加上针对学生群体,利率优惠幅度较大,风控成本高,银行的利润空间不大,因此积极性不高。

目前,苏州市各家银行对校园贷一直密切关注,部分银行正在对市场进行调研。也有不少银行准备与互联网金融平台展开合作,以期获得互联网金融流量入口。

记者了解到,苏州也曾出现过校园贷风险事件,对校园贷规范管理要求较高。为此,在每年开学季前后,当地银监部门都会通过开讲座、拍公益宣传片、写倡议信、选拔“金融知识宣传大使”等活动开展金融宣传。同时,监管部门还要求各银行机构要在大、中、小学校有针对性地开展宣传教育,帮助在校学生提高防范金融风险的意识。

“校园贷是个特殊群体市场,任何时候都需要适度监管。”苏州银监分局相关负责人说,一方面,要坚决打击不正规的借贷诈骗平台;另一方面,商业银行为校园信贷“开正门”,有利于引导形成良好的校园金融秩序,给同学们积极、正向的引导和教育。

他表示,下一步,将谨慎引导辖内有条件的银行业金融机构开发相关产品,建立完善的校园信贷风险管理制度和风险预警机制。

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