Xin'an Evening News Anhui Network Dawan Client News "Campus Loan" refers to the behavior of students borrowing money from various lending platforms, college students only need to provide INFORMATION such as ID cards, click mobile phones, you can easily apply for credit loans ranging from thousands to tens of thousands of yuan. Zhang Ye, member of the Provincial Committee of the Chinese People's Political Consultative Conference and vice president of the Second Clinical Medical College (Second Affiliated Hospital) of Anhui Medical University, believes that although the Ministry of Education, the Banking Regulatory Commission and other departments have issued documents requiring the suspension of online lending institutions to carry out online loan business for college students. However, there are still many online lending institutions that ignore the above regulations and put campus loans in the guise of "entrepreneurial loans", "graduation loans", "training loans", etc., and even become "routine loans" to continue to lend illegally to college students.
Zhang Ye proposed that a multi-departmental joint law enforcement mechanism for "campus loans" should be formed, and the business scope and responsibilities of various regulatory departments should be clarified to ensure that supervision is in place.
"The country's formal financial institutions should moderately increase market supply according to the actual consumption needs of college students, and provide more risk-controllable financial service products for students' reasonable consumption." Zhang Ye suggested that financial institutions in our province can develop more targeted financial service products for students' different family situations to meet the diverse financial service needs of students. For example, a low-interest installment payment service for the purchase of smartphones, computers, and other products can be launched.
Zhang Ye believes that cultivating college students to establish correct consumption concepts and values can effectively reduce the incidence of bad "campus loans", and education departments, tuanxue organizations, financial industries, and public security departments should jointly strengthen the financial and legal knowledge education for college students, and continue to carry out special educational activities such as preventing illegal "campus loans". "The public security departments have further done a good job in investigating and handling suspected illegal cases on online lending platforms, increased law enforcement efforts, carried out centralized online registration of suspected illegal cases on online lending platforms, and dealt a heavy blow to rectify the online lending environment." Zhang Ye suggested that public security departments should strengthen online supervision and control, and suggested that cracking down on "routine loans" should be listed as the scope of the anti-gang crime and eliminate evil forces, and that legal organs should study and analyze the types, means, and mechanisms of the current "campus loan" crimes, and determine the "campus loan" crimes and the main crimes involved as soon as possible.
Zhao Lin Zhou Fangting Xin'an Evening News Anhui Net Dawan client reporter Xu Qiqi Xiang Lei Liu Yang Ye Xiao Yao Yiming Han Cheng
![Zhang Ye, general manager of Iphkes Company, went to the Wisdom Agricultural Cooperative for an exchange and discussion[fig]](data:image/gif;base64,R0lGODlhAQABAIAAAP///wAAACwAAAAAAQABAAACAkQBADs=)