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校园贷堵歪门还要开正门
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Topic: 校园贷堵歪门还要开正门 (Read 69 times)
langawon
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校园贷堵歪门还要开正门
January 13, 2018, 07:38:57 AM
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银监会、教育部、人力资源和社会保障部28日联合下发《关于进一步加强校园贷规范管理工作的通知》,通知表示,现阶段一律暂停网贷机构开展校园贷业务,对存量业务要制定整改计划,明确退出时间表。通知要求,未经银行业监督管理部门批准设立的机构不得进入校园为大学生提供信贷服务。堵歪门的同时开正门。通知鼓励商业银行和政策性银行在风险可控的前提下,有针对性地开发高校助学、培训、消费、创业等金融产品,合理设置信贷额度和利率。
校园贷乱象,不仅是高利贷的滋扰,还有裸条贷和肉偿的社会伦理风险。更糟糕的是,资本的任性和人性之恶,也给校园带来了恶劣的风气,尤其是误导和引诱一些大学生特别是大学女生扭曲消费观、人生观、价值观和世界观。因而,治理校园贷,堵歪门、开正门、引正道已是当务之急。
校园贷需求很大,不管在校大学生的消费需求是否合理。应对校园贷,一方面要堵住非法乱来的偏门,另一方面要打通校园贷的正门。堵住偏门的举措已有,一方面是教育部和银监会发文规范,另一方面就是公安等监管部门的介入。当然,舆论场持续的鼓与呼也发挥了重大作用。野蛮生长的校园贷平台要么被查处,要么主动退出。现在,银监会、教育部等四部委的通知更为严厉,对于新校园贷业务“一律”暂停,对于存量业务要求明确“退出时间表”。这意味着,校园贷祸乱大学校园的时代被终结了。
但是堵上歪门,还要打开正门。毕竟,大学校园存在着极大的消费需求,而普通的金融贷款产品,仍难以满足高校学子的需求。在此情势下,给校园贷开正门就很迫切。在此之前,中国银行和工商银行这些“国字号”的大银行,已经有进入校园贷的计划。设计的金融产品、利率水平也很适中,还款期限也很规范。更重要的是,这种校园贷产品,绝对不会出现暴力催贷和裸条肉偿等怪乱现象。
不过,校园贷终究是金融信贷产品,其产品属性决定了开正门的校园贷产品也必须做到风险可控。因而,开展校园贷业务,必须走上正道。这就要求——
一是相关机构算清校园贷的大账,明晰校园贷的大数据,把准校园贷的需求,以便精准投放校园贷产品。对于具体的消费贷需求者,如果存在着非理性消费的情况,除了对之进行深入细致的思想政治工作,甚至要引入心理辅导,矫正其不当消费行为,引导其正确理财和消费。
二是在校园贷产品的设计上,要进行事前的消费调查和风险评估,利率水平和还款时限也需契合大学生的特点。
三是引入社会征信机制,将校园贷和大学生的个人信用挂钩,使其充分认识到借贷消费是要付出代价的——当然是合乎法治和道德的代价。这样,才能涵养大学生们讲诚信、守法治、有道德和有节制的理性消费行为。
校园贷堵歪门容易,开正门却很难。毕竟,无论是商业银行还是政策性银行,其信贷产品的设计都是要讲利润的,银行不是慈善机构,要让其开发无利可图甚至风险无处不在的信贷产品,的确不那么容易。因而,要让校园贷走正道,依然是系统性工程,从学生到学校,从银行到监管机构,需要一起努力才行。
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