Be in early May 2017, a few branches such as the meeting allot former silver-colored inspect " the announcement that works about strengthening campus to borrow standard government further " specific requirement, uniform time-out net borrows an orgnaization to begin in school undergraduate the net shifts business. But reporter near future investigates discovery, still many nets borrow an orgnaization to disregard a provision, drape do poineering work borrow, graduation is borrowed, groom borrow, to apply for a job borrows substandard garment, continue to be put to the undergraduate borrow.
The net borrows platform to still be violated compasses put to the undergraduate borrow
Picture origin network
Reporter near future investigates discovery, investigate to escape superintendency branch, the sale shift that a few nets borrow platform more concealment, some is hitting graduation to borrow, to apply for a job is borrowed wait for banner, change the appearance continues to violate in school undergraduate compasses put borrow.
Many nets borrow platform to pass QQ group promotion business. The reporter searchs discovery, a few clerks are in group in claim to be able to think handle borrow or lend money in school undergraduate, express " disregard indebted, do not look sign a letter, not electric careful, not video, do not write receipt for a loan, come a the next " .
Undergraduate Huang Peng is in " spend 100 million yuan first " " in installment happy " " show silver " wait for platform to go up to have borrow or lend money. He tells a reporter, although campus is borrowed,be public proclamation illicit, but a lot of profess to help " clear an account toes disembark " the person is in know, the promotion on small gain, small letter, express to be able to help loan borrows return newly old, attracted a lot of bodies to lose the student of loan.
Some campus are borrowed draped " waists-coat " , answer for instance hire borrow, do poineering work borrow, to apply for a job is borrowed etc, pattern 100. The reporter is being stuck on see, the name is " mew answers hire " " ID borrows " such conduct propaganda: Professional mobile phone is leasehold platform, fast examine and verify, arrive quickly Zhang.
An undergraduate tells a reporter, time hire borrowing is a kind of campus actually borrow, cry again " ID is borrowed " . Particular operation is handle machine " rent " to loan platform, bind the number of malic ID Zhang that assigns surely. Platform appraisal 3000 yuan, after deducting 900 yuan of cost that rent to perhaps make assess fee, to Zhang 2100 yuan. Actually, the mobile phone still is being used by oneself, platform coverts with rented name the undergraduate extends the loan that tall behead ceases. If do not have on time reimbursement, take fixed position of mobile phone address book, mobile phone to wait for functional menace borrower through reading.
Return some platform to disregard a provision, not identity of examine and verify is put intentionally to the undergraduate borrow, and it is " behead is borrowed " . Chongqing undergraduate Yang Xin is immersed in cash to borrow platform " raise in order to borrow borrow " in vicious circle. She is in " small formic purse " " Yi Zhoubao " " fast borrow purse " " spend 100 million yuan first " waited for a few platform to borrow borrow, was March the closest be in first " Yi Zhoubao " on loan 3000 yuan, 7 days expire, have 2100 yuan actually only to Zhang, year change loan interest rate to be as high as 1564% , exceed the time limit is expended criterion a day 150 yuan. The reporter sees, this 3000 yuan loan has boiled inside a month 7000 multivariate.
20 years old big 2 students Liu Xing is in recently " zonule fish " the net is borrowed on borrowed 2000 yuan, have 1600 yuan actually only to Zhang, be equivalent to year change loan interest rate to exceed 1000% . Because 7 day hind are insolvent, urge receive a company to be hit to his parents all the time harass a telephone call.
Some platform identity examine and verify exist in name only
Picture origin network
"Actually, the age according to Id can judge the identity roughly, if do not want to do undergraduate group to borrow money really, the doorsill of examine and verify of above of 25 one full year of life can sift strict set basically besides. " a cash borrows platform controller to tell a reporter.
Much name is mirrorred to the reporter in school undergraduate, most platform indicates 18 years old above talent borrow or lend money, but do not undertake discriminating to specific identity, should tick off only anthology " not be a student " option can pass examine and verify. "Although some platform indicated not to student make loans, but loan when can ask you are a student far from, can borrow money by Id. " Yang Xin says.
Huang Peng tells a reporter, write the company near a school casually when loan of a lot of platform writes a material, upload attestation of business of operation of Id, mobile phone, collection attestation video is OK loan.
"In installment happy " so-called be face a youth shop in installment store, the marked position on its App has " happy flower lends money " loan serves. Application loan needs to register fill in individual data, have " already worked " " did not work " option, if choose " did not work " need fills in place school and time of enter a school.
Undergraduate Liu star saw him be in to the reporter " in installment happy " the individual data that go up, make clear the school that filled in to be being read and time of enter a school, but on March 26, already borrowed platform to be in debt in many nets him several yuan still smoothly from succeed on happy platform in installment loan.
The reporter is called with the undergraduate's identity " in installment happy " advisory loan, customer service is informed, as long as year full 18 one full year of life can apply for loan, with the student has nothing to do. Platform provides technology and first trial service, final loan is financial orgnaization of collaboration.
The reporter sees, "Get together complain " on have many about " in installment happy " put to the undergraduate borrow complain. A Bruin spits groove: "' in installment happy ' full campus makes promotion, make ad, inside the classroom, it is above the table ' in installment happy ' small card. " parent Ms. Liu says: "' in installment happy ' intended coax surpasses ability consumption and leasehold fund without the student of steady income source, undertake when the student does not have reimbursement ability phone and short message bomb browbeat, kidnap then parent reimbursement. Kidnap then parent reimbursement..
Punish campus borrows a regulation to fall to real point,
Add the normal banking service that faces an undergraduate
Picture origin network
A personage that is engaged in cash shifting business tells a reporter, actually, platform is right violate compasses know abdomen to undergraduate loan heart bright, they maintain the undergraduate's parents to be able to replace child reimbursement namely, even if the student does not have income,so origin also should continue to do.
This personage tells a reporter, recently, relevant section is 7 days to loan time limit or behead of high specified number of 14 day, collection ceases and of accrual " 714 tall artillery piece " platform is checked closely, then change the appearance of a lot of platform becomes 30 days, 56 days, perhaps upgrade App to shop in installment supermarket of store, loan come provide cover for.
The personage inside many course of study expresses, should superintend each in coordination main body and concerned branch, punish the regulation that campus borrows falls to real point, ban put without the card without card borrow platform, the platform that should attack those to have lawful license plate especially is violated compasses put to the undergraduate borrow. The net borrows platform to also answer cogent bear a responsibility that check, abide by relevant provision strictly.
Expert proposal, should scanty block union up, let normal finance orgnaization provide normal banking service for the undergraduate. Zuo of Zheng of vice-chancellor of committee member of countrywide the Chinese People's Political Consultative Conference, Xi Hua borrowed a problem to undertake dogging for years to campus survey, the feedback data that he obtains from the silver-colored meeting that keep watch shows, up to in March 2018 end, the whole nation has 12 banks to begin professional work of student credit card, extend in all student credit card 4.01 million pieces, loan remaining sum 400 million yuan. Next, should encourage normal finance orgnaization doing premise of good risk pilot, add the financial service that faces an undergraduate.
Shanghai finance and ridge of Fu Wei of legal academy researcher suggest, concerned branch can be discussed cooperate with enterprise of Internet finance science and technology, build accuse a model in the light of the wind in school student group, borrow the market to do good technology to intend the work for normative campus.
Character: Wang Shujuan Yan Zhihong
Supervise the manufacture of: Su Antian
