日韩精品久久一区二区三区_亚洲色图p_亚洲综合在线最大成人_国产中出在线观看_日韩免费_亚洲综合在线一区

Global EditionASIA 中文雙語Fran?ais
China
Home / China / Society

Students failing to learn debt-control lessons

By Cao Yin and Zhao Xinying | China Daily | Updated: 2017-08-21 07:10
Share
Share - WeChat

"Those reports shocked me," Feng said. "Despite being 18 and older, many students are similar to minors because they lack financial knowledge and are easily cheated."

She added that lax supervision has allowed the peer-to-peer loan market to run out of control.

The first attempt to address the problem came on May 27, when the China Banking Regulatory Commission, the Ministry of Education and Ministry of Human Resources and Social Security issued a notice banning unauthorized loan platforms from engaging in the business, especially those that target college students.

Yao Jianlong, a professor of law at Shanghai University of Political Science and Law, praised the regulation, but felt that it didn't go far enough. He said it is more important to improve standards in the industry and to design loan platforms that cater for the specific needs of college students.

Rapid growth

According to Xiong Bingqi, deputy director of the 21st Century Education Research Institute in Beijing, the growth of peer-to-peer platforms in colleges can be attributed to the rapid development of the internet and the decline in credit card use among students.

During the first 10 years of the century, less well-off college students usually turned to credit cards when they needed a source of extra finance, he added.

At the time, banks-most of them State-owned-regarded the student market as an important part of their business and competed to issue credit cards to them. The practice resulted in a situation where many students held several credit cards issued by a number of different banks.

Initially, business was good, but it quickly became mired in controversy after a series of headline-making stories about irrational consumption, swollen overdrafts and failures to repay debts. That resultant bad publicity led banks to become wary of issuing credit cards to students.

"However, as a young group with strong consumption demand, the students' needs were still there. Against such a backdrop, peer-to-peer lending, a substitute for credit cards to some extent, started to mushroom via the fast development of the internet," he said.

Yao said many peer-to-peer lenders specifically target college students, who usually have little money or unstable incomes but have great consumption potential.

Those factors have led to the growth of unscrupulous operators who are thirsty for profits, but lack standards or regulations.

"These platforms call themselves 'peer-to-peer lenders for campuses', but actually some are disordered and a large number have failed to obtain authorization from the banking regulators. That has resulted in tragedies for some students and pushed others to commit crimes, such as fraud," he added.

According to a survey by wdzj, a website that provides information about the peer-to-peer loan industry, there were about 3,000 such platforms in 2015, and 108 of them targeted students exclusively.

Statistics from Mingxiao Loans, a company that lends money to college students, show that from April last year to July, at least 41 cases of fraud related to on-campus peer-to-peer lending were reported at educational establishments in 22 provinces and regions.

Top
BACK TO THE TOP
English
Copyright 1995 - . All rights reserved. The content (including but not limited to text, photo, multimedia information, etc) published in this site belongs to China Daily Information Co (CDIC). Without written authorization from CDIC, such content shall not be republished or used in any form. Note: Browsers with 1024*768 or higher resolution are suggested for this site.
License for publishing multimedia online 0108263

Registration Number: 130349
FOLLOW US
 
主站蜘蛛池模板: 亚洲精品a级 | 五月婷婷综合在线视频 | 蜜桃av一区二区三区 | 日本成人在线看 | 午夜看片免费 | A片好大好紧好爽视频 | 国产精品国产成人国产三级 | 欧美福利视频在线观看 | 欧美变态口味重另类日韩毛片 | 在线播放国产一区二区三区 | 国内精品一区二区2021在线 | 超碰人人在线 | 免费欧美黄色网址 | 日韩一级片在线免费观看 | 欧美一区二区三区免费视频 | 日韩精品一区二区三区中文3d | 午夜小网站| 国产亚洲精彩视频 | 日韩欧美视频在线 | 激情丁香开心久久综合 | 热久热 | 亚洲人人爱 | 欧美一级大片免费观看 | 伊人2222| 天天干影院 | 中文字幕人成乱码在线观看 | 一级啪啪片 | 邪不压正免费观看完整高清视频 | 国产亚洲精品久久久999无毒 | 亚洲免费网 | 日韩手机在线 | 日本伊人色综合网站 | 91看片淫黄大片一级在线观看 | 欧美日本一区 | 一区二区av| 欧美国产日本高清不卡 | 亚洲色色 | 草久在线视频 | 国产一区二区精品在线观看 | 精品免费| 欧美视频亚洲视频 |