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Article selection staff: Liu Lei   |   Release date:2021/3/19 10:32:48   |   Number of views: 21150

　To further standardize the Internet consumer loan business for college students，Strengthen the education and guidance of college students，General Office of the China Banking and Insurance Regulatory Commission、Secretary Bureau of the Cyberspace Administration of China、General Office of the Ministry of Education、General Office of the Ministry of Public Security、The General Office of the People's Bank of China jointly issued the "Notice on Further Regulating the Supervision and Management of Internet Consumption Loans for College Students" (hereinafter referred to as the "Notice")。Recently，The heads of relevant departments of five ministries and commissions including the China Banking and Insurance Regulatory Commission answered reporters’ questions on issues related to the “Notice”。

1. What is the background for formulating the “Notice”?

Recent，Some Internet microfinance institutions cooperate with technology companies，Target university campus，via false、Inductive propaganda，Issuance of Internet consumer loans，Inducing college students to consume excessively in advance on Internet shopping platforms，Causing some college students to fall into the trap of high loan amounts，Produce bad social impact。In order to standardize and rectify the chaos of Internet consumer loans for college students as soon as possible，It is necessary to issue the "Notice" as soon as possible，Focusing on Internet consumer loan business for college students，Further strengthen the customer marketing management and risk prevention requirements of lending institutions，Strengthening education for college students、Strength of guidance and assistance，Reasonably guide online public opinion，Intensify the crackdown on illegal and criminal activities，Resolutely curb the phenomenon of Internet platforms accurately "harvesting" dafabet live casinocollege students，Effectively safeguard the legitimate rights and interests of students。

2. What is the main content of the "Notice"?

The "Notice" further regulates the supervision and management of Internet consumer loans for college students from the following four aspects。First, strengthen the supervision and management of Internet consumer loan business for college students of lending institutions。Make it clear that small loan companies are not allowed to issue Internet consumer loans to college students，Further strengthening consumer finance companies、Risk management requirements for Internet consumer loan business for college students in commercial banks and other licensed financial institutions，It is clear that institutions established without the approval of regulatory authorities are not allowed to provide credit services to college students。At the same time，Organize various regions to carry out supervision, inspection, investigation and rectification work on the Internet consumer loan business for college students。The second is to increase education for college students、Strength of guidance and assistance。From improving college students’ financial security awareness、Improve the working mechanism for assistance and relief、Comprehensive guidance to establish correct consumption concepts、Establishing daily monitoring mechanisms and other aspects require all colleges and universities to effectively assume the main responsibility for student management。The third is to do a good job in disseminating and guiding public opinion。Guide all localities to do a good job in online interpretation and public opinion guidance of the supervision and management policies for college students’ Internet consumption loans。The fourth is to increase the investigation and punishment of illegal and criminal problems in the Internet consumer loan business for college students。

Three、What regulatory requirements does the "Notice" put forward for the issuance of Internet consumer loans to college students?

"Notice" aims at the main problems existing in the current Internet consumer loans for college students，Proposed corresponding regulatory requirements: First, standardize the marketing behavior of lending institutions and their outsourcing partners，Require lending institutions to conduct substantive reviews to identify college students’ identities and true loan purposes，Do not target college students as potential customers for targeted marketing，No falsehoods allowed、Misleading methods such dafabet online sports betting appas misleading or misleading propaganda may induce college students to consume in advance、Excessive borrowing，Lending institutions’ outsourcing partners are not allowed to push college students to the lending institutions。The second is to strengthen the risk management of Internet consumer loans for college students in banking financial institutions，For pre-loan review、Further clarify risk management requirements in key aspects such as post-loan management，Requires strict implementation of the second source of repayment for college students，Standardize collection behavior，Strengthen personal information protection，All college students’ Internet consumer loan credit information must be timely、Complete、Accurately submitted to the basic financial credit information database。The third is to deploy and carry out supervision, inspection, investigation and rectification work on the Internet consumer loan business for college students。

Four、How to rectify Internet consumption loans for college students that have been issued before the issuance of the "Notice"?

"Notice" makes it clear，For college students’ Internet consumption loans that have been issued，First, require small loan companies to formulate rectification plans，In principle, loans that have been extended will not be extended，Gradually digest existing business，Illegal new business additions are strictly prohibited。The second is to require banking financial institutions to strengthen investigations，Rectify illegal business within a time limit，Strictly implement risk management requirements。

　五、In the education of college students、Guide、In the process of assistance and management，What specific tasks should colleges and universities do?

All colleges and universities must effectively assume the main responsibility for student management。First, vigorously carry out financial knowledge popularization education，Strengthen financial knowledge publicity and education，Effectively improve students’ financial security awareness。The second is to continuously improve the assistance and assistance working mechanism。Effectively guarantee the tuition fees for students with financial difficulties、Accommodation and basic living expenses and other guaranteed needs，Resolve the temporary nature of students、Emergency funding needs。The third is to comprehensively guide college students to establish scientific knowledge、rational、Healthy consumption concept，Establish a daily monitoring dafabet online sports betting appmechanism，Pay close attention to students’ abnormal consumption behavior，Take targeted measures to correct it，Strive to take early precautions、Early education、Early detection、Early treatment。

At the same time，All universities must actively cooperate with relevant departments to do relevant work: first, block side doors，Resolutely resist bad campus online loans。Each university should establish a joint prevention and control mechanism，Proactively cooperate with the public security department、Financial regulatory authorities and others are targeting bad campus online loans with precision，Protecting students’ rights。Establish a real-time warning mechanism，Call in time、Network、Distribute bad campus network loan warning information to students through campus broadcasts and other forms，Build a strong protective net。The second is to open the main entrance，Meet the reasonable credit needs of college students。All universities should cooperate with banking financial institutions to develop targeted and convenient procedures、Reasonable interest rate、College student aid with controllable risks、Training、Entrepreneurship and other financial products。Attach importance to financial services for college students，Proactively connect with banking financial institutions，Smoothing regular campus credit service channels for college students with reasonable needs，Use "good money" to drive out "bad money"，Strive to purify the campus financial market environment。