译语翻译分享-五部委：明确小额贷款公司不得向大学生发放互联网消费贷款

五部委：明确小额贷款公司不得向大学生发放互联网消费贷款

Five ministries: clarified that microfinance companies are not allowed to issue Internet consumer loans to college students

 

近期，部分互联网小额贷款机构通过和科技公司合作，以大学校园为目标，通过虚假、诱导性宣传，发放互联网消费贷款，诱导大学生在互联网购物平台上过度超前消费，导致部分大学生陷入高额贷款陷阱，产生恶劣的社会影响。为尽快规范整顿大学生互联网消费贷款乱象，有必要尽快出台《通知》，以大学生互联网消费贷款业务为重点，进一步加强放贷机构客户营销管理和风险防范要求，加强在校大学生教育、引导和帮扶力度，合理引导网络舆情，加大违法犯罪行为打击力度，坚决遏制互联网平台精准“收割”大学生的现象，切实维护学生合法权益。

Recently, some Internet microfinance institutions have cooperated with technology companies to target university campuses and issue Internet consumer loans through false and inductive propaganda, inducing college students to over-prevent consumption on Internet shopping platforms, causing some college students to fall into high loans Trap, which has a bad social impact. In order to regulate and rectify the chaos of college students’ Internet consumer loans as soon as possible, it is necessary to issue the "Notice" as soon as possible, focusing on college students’ Internet consumer loans business, further strengthening the customer marketing management and risk prevention requirements of lending institutions, and strengthening the education, guidance and assistance of college students Intensify efforts to rationally guide online public opinion, increase efforts to crack down on illegal and criminal acts, resolutely curb the phenomenon of Internet platforms accurately "harvesting" college students, and earnestly safeguard the legitimate rights and interests of students.

二、《通知》的主要内容是什么？

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

《通知》从以下四个方面进一步规范大学生互联网消费贷款监督管理工作。一是加强放贷机构大学生互联网消费贷款业务监督管理。明确小额贷款公司不得向大学生发放互联网消费贷款，进一步加强消费金融公司、商业银行等持牌金融机构大学生互联网消费贷款业务风险管理要求，明确未经监管部门批准设立的机构一律不得为大学生提供信贷服务。同时，组织各地部署开展大学生互联网消费贷款业务监督检查和排查整改工作。二是加大对大学生的教育、引导和帮扶力度。从提高大学生金融安全防范意识、完善帮扶救助工作机制、全面引导树立正确消费观念、建立日常监测机制等方面要求各高校切实担负起学生管理的主体责任。三是做好舆情疏解引导工作。指导各地做好规范大学生互联网消费贷款监督管理政策网上解读和舆论引导工作。四是加大大学生互联网消费贷款业务中违法犯罪问题查处力度。

The "Notice" further regulates the supervision and management of college students' Internet consumer loans from the following four aspects. The first is to strengthen the supervision and management of the Internet consumer loan business for college students in lending institutions. It is clarified that microfinance companies are not allowed to issue Internet consumer loans to college students, further strengthen the risk management requirements of consumer finance companies, commercial banks and other licensed financial institutions for college students’ Internet consumer loan business, and clarify that institutions established without the approval of the regulatory authorities shall not provide credit to college students service. At the same time, organize local deployments to carry out supervision, inspection, investigation and rectification of the Internet consumer loan business for college students. The second is to increase education, guidance and assistance to college students. In terms of improving the awareness of financial security of college students, improving the working mechanism of assistance and assistance, comprehensively guiding the establishment of correct consumption concepts, and establishing a daily monitoring mechanism, colleges and universities are required to take the main responsibility of student management. The third is to do a good job of public opinion interpretation and guidance. Instruct all localities to conduct online interpretation and public opinion guidance on regulating the supervision and management policies of college students’ Internet consumer loans. The fourth is to intensify the investigation and punishment of illegal and criminal issues in the Internet consumer loan business for college students.

三、《通知》对发放大学生互联网消费贷款提出了哪些监管要求？

3. What regulatory requirements does the "Notice" put forward for the issuance of student Internet consumer loans?

《通知》针对当前大学生互联网消费贷款中存在的主要问题，提出了相应的监管要求：一是规范放贷机构及其外包合作机构营销行为，要求放贷机构实质性审核识别大学生身份和真实贷款用途，不得以大学生为潜在客户定向营销，不得采用虚假、引人误解或者诱导性宣传等不正当方式诱导大学生超前消费、过度借贷，放贷机构外包合作机构不得向放贷机构推送引流大学生。二是加强银行业金融机构大学生互联网消费贷款风险管理，针对贷前审核、贷后管理等关键环节进一步明确风险管理要求，要求严格落实大学生第二还款来源，规范催收行为，加强个人信息保护，所有大学生互联网消费贷款信贷信息都要及时、完整、准确报送至金融信用信息基础数据库。三是部署开展大学生互联网消费贷款业务监督检查和排查整改工作。

The "Notice" puts forward corresponding regulatory requirements in response to the main problems existing in the current Internet consumer loans for college students: First, it regulates the marketing behavior of lending institutions and their outsourcing partners, and requires lending institutions to substantively review and identify the identities of college students and the real loan uses. Targeted marketing with college students as potential customers, false, misleading or inductive publicity, etc., shall not be used to induce college students to consume ahead of time and borrow excessively. Outsourcing institutions of lending institutions shall not push and attract college students to lending institutions. The second is to strengthen the risk management of college students’ Internet consumer loans in banking financial institutions, further clarify risk management requirements for key links such as pre-loan review and post-loan management, require strict implementation of the source of the second repayment of college students, standardize collection behavior, and strengthen personal information protection. All college student Internet consumer loan credit information must be timely, complete, and accurately reported to the basic database of financial credit information. The third is to deploy and carry out the supervision and inspection of the Internet consumer loan business for college students, as well as the investigation and rectification work.

四、《通知》印发前已发放的大学生互联网消费贷款应如何整改？

4. How to rectify the Internet consumer loans issued by college students before the issuance of the "Notice"?

《通知》明确，对于已发放的大学生互联网消费贷款，一是要求小额贷款公司制定整改计划，已放贷款原则上不进行展期，逐步消化存量业务，严禁违规新增业务。二是要求银行业金融机构加强排查，限期整改违规业务，严格落实风险管理要求。

The "Notice" clarified that for the Internet consumer loans that have been issued to college students, first, small loan companies are required to formulate a rectification plan. In principle, the loans that have been issued will not be extended, and the existing business will be gradually digested, and new business in violation of regulations is strictly prohibited. The second is to require banking financial institutions to strengthen investigations, rectify illegal businesses within a time limit, and strictly implement risk management requirements.

五、在对大学生的教育、引导、帮扶和管理过程中，高校要具体做好哪些工作？

5. In the process of educating, guiding, assisting and managing college students, what specific tasks should colleges and universities do?

各高校要切实担负起学生管理的主体责任。一是大力开展金融知识普及教育，强化金融知识宣传教育，切实提高学生金融安全防范意识。二是不断完善帮扶救助工作机制。切实保障家庭经济困难学生学费、住宿费和基本生活费等保障性需求，解决学生的临时性、紧急性资金需求。三是全面引导在校大学生树立科学、理性、健康的消费观，建立日常监测机制，密切关注学生异常消费行为，采取针对性措施予以纠正，努力做到早防范、早教育、早发现、早处置。

All colleges and universities must earnestly assume the main responsibility of student management. The first is to vigorously carry out popularization and education of financial knowledge, strengthen publicity and education of financial knowledge, and effectively improve students' awareness of financial security. The second is to continuously improve the working mechanism of assistance. Effectively guarantee the tuition, accommodation and basic living expenses and other security needs of students from families with financial difficulties, and solve the temporary and emergency funding needs of students. The third is to comprehensively guide college students to establish a scientific, rational and healthy consumption concept, establish a daily monitoring mechanism, pay close attention to students' abnormal consumption behaviors, take targeted measures to correct them, and strive to achieve early prevention, early education, early detection, and early disposal .

与此同时，各高校还要积极配合相关部门做好有关工作：一是堵偏门，坚决抵制不良校园网络贷款。各高校要建立联防联控机制，主动配合公安部门、金融监管部门等精确打击不良校园网络贷款，维护学生权益。建立实时预警机制，及时以电话、网络、校园广播等多种形式向学生发布不良校园网络贷款预警提示信息，筑牢防护网。二是开正门，满足大学生合理的信贷需求。各高校要配合银行业金融机构有针对性地开发手续便捷、利率合理、风险可控的高校助学、培训、创业等金融产品。重视大学生金融服务工作，主动对接银行业金融机构，为有合理需求的大学生畅通正规校园信贷服务渠道，用“良币”驱逐“劣币”，着力净化校园金融市场环境。

At the same time, colleges and universities must actively cooperate with relevant departments to do the relevant work: First, block the side door and resolutely resist bad campus network loans. All colleges and universities should establish a joint prevention and control mechanism, and actively cooperate with public security departments and financial supervision departments to accurately crack down on bad campus network loans and protect the rights and interests of students. Establish a real-time early warning mechanism, promptly release warning messages of bad campus network loans to students in various forms such as telephone, network, campus broadcast, etc., to build a protective net. The second is to open the front door to meet the reasonable credit needs of college students. All colleges and universities should cooperate with banking financial institutions to develop targeted financial products such as college education aid, training, and entrepreneurship with convenient procedures, reasonable interest rates, and controllable risks. Attach importance to financial services for college students, actively connect with banking financial institutions, unblock formal campus credit service channels for college students with reasonable needs, use “good money” to expel “bad money”, and strive to purify the campus financial market environment.

 

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