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专家:网贷或引爆大学生征信危机

来源: 南方日报网络版     时间: 2018年12月10日 03:28:46
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彩民推荐平台信誉平台官方,招龙虎和代理注册实力诚招代理Q扣99277339时时彩龙虎和,意彩彩票代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站专家:网贷或引爆大学生征信危机

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(  相)(比)(于)(被)(赶)(走)(的)(信)(用)(卡)(,在)(大)(学)(校)(园)(中)(,网)(贷)(显)(然)(是)(一)(个)(更)(难)(“对)(付)(”的)(角)(色)(。而)(校)(园)(贷)(款)(的)(巨)(大)(需)(求)(,也)(让)(“一)(禁)(了)(之)(”显)(得)(不)(切)(实)(际)(。
  让)(信)(用)(卡)(回)(归)(以)(求)(更)(为)(安)(全)(的)(局)(面)(?业)(内)(人)(士)(认)(为)(,即)(使)(信)(用)(卡)(全)(面)(回)(归)(,也)(恐)(怕)(难)(敌)(网)(贷)(冲)(击)(。
  专)(家)(对)(《中)(国)(经)(营)(报)(》记)(者)(表)(示)(,应)(高)(度)(重)(视)(网)(贷)(可)(能)(给)(大)(学)(生)(群)(体)(带)(来)(的)(征)(信)(危)(机)(,更)(应)(以)(“合)(格)(借)(贷)(人)(”理)(念)(,预)(见)(并)(把)(控)(风)(险)(,同)(时)(搭)(建)(校)(园)(信)(用)(体)(系)(,从)(而)(在)(根)(本)(上)(为)(校)(园)(增)(强)(抵)(御)(力)(。
  挡)(不)(住)(猛)(兽)(,或)(许)(可)(以)(从)(自)(建)(“安)(全)(屋)(”、自)(穿)(“防)(护)(服)(”来)(实)(现)(安)(全)(,这)(是)(业)(界)(对)(网)(贷)(冲)(击)(校)(园)(问)(题)(上)(的)(总)(体)(建)(议)(。
  信)(用)(卡)(的)(离)(去)(
  自)(2002年)(招)(商)(银)(行)(发)(行)(了)(第)(一)(张)(针)(对)(学)(生)(的)(信)(用)(卡)(后)(,多)(家)(银)(行)(在)(信)(用)(卡)(市)(场)(“跑)(马)(圈)(地)(”中)(,将)(发)(卡)(的)(目)(标)(人)(群)(瞄)(向)(了)(校)(园)(。据)(银)(率)(网)(调)(查)(,2006年)(国)(内)(在)(校)(大)(学)(生)(持)(卡)(比)(例)(为)(15.1%,2007年)(上)(升)(到)(24%。
  大)(学)(生)(持)(卡)(人)(数)(不)(断)(攀)(升)(的)(同)(时)(,大)(学)(生)(信)(用)(卡)(的)(逾)(期)(情)(况)(亦)(持)(续)(增)(多)(。由)(于)(大)(学)(生)(没)(有)(固)(定)(收)(入)(,同)(时)(自)(制)(能)(力)(较)(差)(,各)(地)(都)(发)(生)(了)(多)(起)(大)(学)(生)(过)(度)(透)(支)(信)(用)(卡)(,家)(长)(被)(迫)(还)(债)(的)(事)(件)(,大)(大)(增)(加)(了)(银)(行)(的)(发)(卡)(风)(险)(,也)(引)(发)(了)(学)(生)(家)(长)(的)(不)(满)(。
  “我)(不)(同)(意)(孩)(子)(办)(信)(用)(卡)(或)(者)(贷)(款)(,学)(生)(的)(首)(要)(任)(务)(是)(学)(习)(。他)(们)(不)(挣)(钱)(,正)(常)(的)(消)(费)(有)(家)(长)(承)(担)(,去)(借)(贷)(的)(话)(,不)(讨)(论)(家)(长)(的)(还)(款)(能)(力)(,学)(生)(的)(信)(用)(其)(实)(是)(无)(法)(评)(估)(的)(。”北)(京)(一)(位)(学)(生)(家)(长)(在)(接)(受)(《中)(国)(经)(营)(报)(》记)(者)(采)(访)(时)(表)(达)(了)(对)(学)(生)(贷)(款)(的)(不)(赞)(同)(。
  杭)(州)(一)(位)(学)(生)(家)(长)(表)(示)(,学)(生)(如)(果)(办)(信)(用)(卡)(或)(贷)(款)(,每)(期)(还)(款)(会)(分)(散)(他)(们)(学)(习)(的)(专)(注)(力)(,有)(些)(学)(生)(不)(敢)(告)(诉)(家)(长)(,还)(有)(可)(能)(会)(做)(些)(违)(法)(的)(事)(情)(,不)(可)(取)(。
  此)(外)(,一)(些)(银)(行)(为)(了)(抢)(占)(大)(学)(生)(市)(场)(,对)(学)(生)(的)(经)(济)(能)(力)(、理)(财)(能)(力)(、信)(用)(情)(况)(不)(加)(严)(格)(审)(查)(,重)(量)(不)(重)(质)(,盲)(目)(滥)(发)(信)(用)(卡)(,客)(观)(上)(会)(给)(某)(些)(大)(学)(生)(“恶)(意)(透)(支)(”大)(开)(方)(便)(之)(门)(,进)(而)(引)(发)(校)(园)(内)(的)(诚)(信)(危)(机)(。
  据)(央)(行)(发)(布)(2009年)(第)(一)(季)(度)(支)(付)(运)(行)(情)(况)(报)(告)(显)(示)(,一)(季)(度)(信)(用)(卡)(逾)(期)(半)(年)(未)(偿)(信)(贷)(较)(2008年)(同)(比)(上)(升)(133.1%,其)(中)(由)(于)(学)(生)(的)(还)(款)(能)(力)(有)(限)(,银)(行)(为)(此)(付)(出)(的)(坏)(账)(成)(本)(急)(增)(。
  2009年)(7月)(,银)(监)(会)(出)(台)(了)(《关)(于)(进)(一)(步)(规)(范)(信)(用)(卡)(业)(务)(的)(通)(知)(》,对)(大)(学)(生)(信)(用)(卡)(进)(行)(了)(规)(定)(和)(限)(制)(:不)(得)(向)(未)(满)(18岁)(的)(学)(生)(发)(放)(信)(用)(卡)(;对)(于)(已)(满)(18周)(岁)(但)(无)(固)(定)(工)(作)(、无)(稳)(定)(收)(入)(来)(源)(的)(学)(生)(,须)(落)(实)(第)(二)(还)(款)(来)(源)(及)(其)(偿)(还)(能)(力)(,并)(以)(书)(面)(形)(式)(确)(定)(还)(款)(责)(任)(,否)(则)(不)(得)(发)(卡)(。
  通)(知)(出)(台)(后)(,多)(家)(银)(行)(陆)(续)(停)(止)(了)(大)(学)(生)(信)(用)(卡)(的)(办)(理)(业)(务)(。
  “遗)(憾)(”的)(市)(场)(
  至)(此)(,轰)(轰)(烈)(烈)(持)(续)(近)(5年)(的)(校)(园)(信)(用)(卡)(“圈)(地)(”竞)(赛)(随)(着)(银)(监)(会)(的)(一)(纸)(通)(知)(告)(一)(段)(落)(。
  一)(家)(股)(份)(制)(银)(行)(卡)(中)(心)(负)(责)(人)(2009年)(接)(受)(媒)(体)(采)(访)(时)(,曾)(对)(叫)(停)(大)(学)(生)(信)(用)(卡)(业)(务)(深)(表)(遗)(憾)(:“其)(实)(很)(可)(惜)(,高)(校)(是)(一)(个)(深)(具)(潜)(力)(的)(市)(场)(,是)(未)(来)(的)(忠)(实)(客)(户)(和)(高)(端)(人)(群)(培)(养)(的)(摇)(篮)(。”
  记)(者)(咨)(询)(多)(家)(银)(行)(得)(知)(,现)(在)(各)(银)(行)(对)(大)(学)(生)(办)(理)(信)(用)(卡)(业)(务)(管)(理)(仍)(然)(非)(常)(严)(格)(,对)(学)(生)(信)(用)(卡)(的)(申)(请)(,四)(大)(行)(基)(本)(不)(予)(受)(理)(。
  民)(生)(银)(行)(信)(用)(卡)(中)(心)(工)(作)(人)(员)(在)(采)(访)(中)(表)(示)(,现)(在)(没)(有)(针)(对)(在)(校)(大)(学)(生)(办)(理)(的)(信)(用)(卡)(业)(务)(,但)(大)(学)(生)(可)(以)(办)(理)(父)(母)(信)(用)(卡)(的)(附)(属)(卡)(。
  “由)(于)(国)(家)(对)(大)(学)(生)(办)(理)(信)(用)(卡)(有)(较)(为)(严)(格)(的)(要)(求)(,现)(在)(专)(科)(、本)(科)(在)(读)(的)(大)(学)(生)(申)(请)(信)(用)(卡)(基)(本)(上)(都)(过)(不)(了)(,研)(究)(生)(和)(博)(士)(生)(获)(批)(的)(情)(况)(可)(能)(好)(点)(,但)(也)(比)(较)(困)(难)(,除)(非)(学)(生)(能)(够)(提)(供)(个)(人)(稳)(定)(的)(工)(作)(证)(明)(或)(收)(入)(来)(源)(证)(明)(。”招)(商)(银)(行)(信)(用)(卡)(中)(心)(一)(位)(工)(作)(人)(员)(表)(示)(。
  “但)(我)(们)(针)(对)(学)(生)(市)(场)(推)(出)(了)(类)(似)(准)(信)(用)(卡)(的)(校)(园)(卡)(,这)(类)(卡)(是)(没)(有)(额)(度)(的)(,需)(要)(先)(存)(钱)(才)(能)(消)(费)(,功)(能)(上)(类)(似)(储)(蓄)(卡)(,但)(信)(用)(卡)(优)(惠)(活)(动)(等)(是)(可)(以)(享)(受)(的)(,也)(可)(以)(领)(取)(银)(行)(信)(用)(卡)(的)(活)(动)(礼)(品)(,等)(到)(学)(生)(毕)(业)(有)(正)(式)(工)(作)(后)(,招)(商)(银)(行)(会)(再)(根)(据)(其)(工)(作)(情)(况)(给)(一)(个)(正)(常)(的)(额)(度)(。”
  记)(者)(从)(浦)(发)(银)(行)(信)(用)(卡)(中)(心)(了)(解)(到)(,浦)(发)(银)(行)(要)(求)(父)(母)(等)(担)(保)(人)(提)(供)(书)(面)(担)(保)(证)(明)(等)(材)(料)(,且)(工)(作)(人)(员)(会)(对)(学)(生)(提)(供)(的)(各)(种)(信)(息)(严)(格)(审)(核)(。“好)(一)(点)(的)(学)(校)(或)(研)(究)(生)(、博)(士)(生)(等)(可)(能)(更)(容)(易)(通)(过)(一)(些)(。”
  信)(用)(卡)(的)(退)(出)(,给)(如)(今)(快)(速)(发)(展)(的)(互)(联)(网)(金)(融)(平)(台)(留)(足)(了)(进)(军)(校)(园)(市)(场)(的)(空)(间)(。
  易)(观)(智)(库)(分)(析)(师)(沈)(中)(祥)(告)(诉)(记)(者)(,大)(学)(生)(客)(群)(基)(数)(大)(,校)(园)(消)(费)(金)(融)(增)(长)(空)(间)(较)(大)(,是)(借)(贷)(平)(台)(看)(好)(校)(园)(市)(场)(的)(原)(因)(之)(一)(。
  “大)(学)(生)(坏)(账)(率)(极)(低)(,加)(上)(校)(园)(市)(场)(的)(潜)(力)(和)(未)(来)(性)(,有)(利)(于)(我)(们)(培)(养)(用)(户)(黏)(性)(和)(忠)(诚)(度)(,学)(生)(毕)(业)(后)(,有)(了)(收)(入)(,还)(可)(能)(继)(续)(在)(我)(们)(平)(台)(进)(行)(更)(大)(额)(的)(消)(费)(。”一)(位)(分)(期)(购)(物)(平)(台)(负)(责)(人)(告)(诉)(本)(报)(记)(者)(。
  “但)(一)(个)(校)(园)(的)(容)(量)(是)(一)(定)(的)(,在)(很)(多)(平)(台)(竞)(争)(之)(下)(,通)(过)(发)(传)(单)(或)(虚)(假)(宣)(传)(等)(方)(式)(,例)(如)(设)(置)(一)(些)(有)(诱)(惑)(力)(的)(广)(告)(词)(,争)(取)(潜)(在)(的)(贷)(款)(用)(户)(,很)(容)(易)(影)(响)(正)(常)(的)(校)(园)(消)(费)(环)(境)(。”沈)(中)(祥)(也)(表)(现)(出)(对)(市)(场)(乱)(象)(的)(担)(忧)(。
  一)(方)(面)(是)(企)(业)(对)(市)(场)(的)(看)(好)(和)(趋)(利)(追)(逐)(,另)(一)(方)(面)(学)(生)(群)(体)(的)(特)(殊)(性)(,也)(折)(射)(出)(对)(行)(业)(监)(管)(漏)(洞)(和)(大)(学)(生)(信)(用)(体)(系)(的)(缺)(失)(问)(题)(。
  大)(学)(生)(信)(用)(评)(估)(
  “大)(数)(据)(”是)(互)(联)(网)(的)(重)(要)(优)(势)(,但)(由)(于)(我)(国)(征)(信)(体)(系)(尚)(未)(完)(全)(放)(开)(,互)(联)(网)(金)(融)(平)(台)(之)(间)(相)(互)(竞)(争)(,不)(愿)(分)(享)(数)(据)(,目)(前)(关)(于)(大)(学)(生)(分)(期)(消)(费)(和)(借)(贷)(的)(信)(用)(记)(录)(依)(然)(缺)(失)(。
  “这)(可)(能)(引)(发)(大)(面)(积)(爆)(发)(征)(信)(危)(机)(,对)(学)(生)(今)(后)(的)(就)(业)(生)(活)(产)(生)(长)(远)(影)(响)(。”中)(央)(财)(经)(大)(学)(金)(融)(犯)(罪)(研)(究)(中)(心)(副)(所)(长)(李)(大)(伟)(告)(诉)(本)(报)(记)(者)(。
  李)(大)(伟)(认)(为)(,“学)(生)(作)(为)(平)(台)(的)(借)(贷)(客)(户)(,金)(融)(知)(识)(匮)(乏)(,也)(可)(能)(出)(现)(不)(理)(智)(消)(费)(的)(情)(况)(,如)(果)(平)(台)(的)(风)(控)(不)(严)(格)(,产)(生)(越)(来)(越)(多)(的)(逾)(期)(,对)(学)(生)(未)(来)(的)(成)(长)(会)(造)(成)(一)(定)(影)(响)(。”
  中)(国)(人)(民)(大)(学)(《全)(国)(大)(学)(生)(信)(用)(认)(知)(调)(研)(报)(告)(》(以)(下)(简)(称)(《报)(告)(》)显)(示)(,相)(当)(数)(量)(的)(大)(学)(生)(群)(体)(不)(了)(解)(信)(用)(卡)(、信)(用)(报)(告)(等)(信)(用)(相)(关)(知)(识)(。
  网)(贷)(之)(家)(创)(始)(人)(徐)(红)(伟)(表)(示)(,现)(在)(的)(大)(学)(生)(群)(体)(中)(,攀)(比)(消)(费)(比)(较)(严)(重)(。在)(中)(国)(金)(融)(领)(域)(我)(们)(常)(常)(讲)(“合)(格)(投)(资)(人)(”“合)(格)(借)(款)(人)(”的)(概)(念)(,实)(际)(上)(,大)(学)(生)(群)(体)(不)(是)(合)(格)(借)(款)(人)(,他)(们)(对)(自)(己)(的)(行)(为)(完)(全)(没)(有)(充)(分)(考)(虑)(和)(预)(判)(,很)(多)(人)(是)(事)(后)(无)(法)(自)(拔)(时)(,才)(会)(发)(现)(问)(题)(的)(严)(重)(性)(。
  中)(央)(财)(经)(大)(学)(中)(国)(银)(行)(业)(研)(究)(中)(心)(主)(任)(郭)(田)(勇)(告)(诉)(记)(者)(,在)(信)(贷)(市)(场)(上)(大)(学)(生)(是)(弱)(势)(群)(体)(,一)(方)(面)(他)(们)(有)(消)(费)(需)(求)(,另)(一)(方)(面)(,他)(们)(又)(没)(有)(收)(入)(,违)(约)(成)(本)(也)(比)(较)(高)(。事)(实)(上)(,社)(会)(上)(各)(类)(无)(收)(入)(和)(低)(收)(入)(的)(人)(员)(很)(多)(,但)(是)(这)(些)(信)(用)(机)(构)(为)(何)(不)(会)(集)(中)(向)(其)(他)(无)(业)(人)(员)(和)(低)(收)(入)(的)(农)(民)(工)(放)(贷)(,本)(质)(上)(是)(看)(重)(了)(大)(学)(生)(这)(块)(市)(场)(的)(特)(殊)(性)(。为)(了)(前)(途)(和)(信)(誉)(,大)(学)(生)(和)(其)(家)(长)(一)(般)(会)(害)(怕)(违)(约)(和)(被)(追)(债)(,即)(使)(被)(收)(了)(高)(利)(息)(也)(会)(尽)(量)(想)(尽)(办)(法)(还)(债)(。所)(以)(作)(为)(教)(育)(部)(门)(要)(加)(强)(对)(大)(学)(生)(消)(费)(的)(正)(确)(引)(导)(,监)(管)(部)(门)(也)(要)(严)(格)(审)(查)(对)(大)(学)(生)(的)(放)(贷)(行)(为)(。
  《报)(告)(》建)(议)(,高)(校)(、教)(育)(机)(构)(、央)(行)(等)(部)(门)(应)(支)(持)(推)(广)(信)(用)(教)(育)(,普)(及)(相)(关)(金)(融)(知)(识)(;网)(贷)(机)(构)(应)(增)(强)(产)(品)(的)(针)(对)(性)(以)(及)(风)(险)(把)(控)(,并)(强)(化)(贷)(后)(为)(违)(约)(惩)(戒)(机)(制)(。
  南)(昌)(大)(学)(原)(副)(校)(长)(刘)(三)(秋)(曾)(提)(出)(,各)(高)(校)(可)(将)(学)(生)(信)(用)(信)(息)(报)(告)(国)(家)(教)(育)(部)(,与)(教)(育)(部)(学)(籍)(管)(理)(网)(中)(毕)(业)(证)(书)(查)(询)(系)(统)(联)(网)(,最)(终)(实)(现)(与)(政)(府)(相)(关)(部)(门)(统)(一)(加)(入)(查)(询)(平)(台)(,通)(过)(首)(先)(在)(全)(国)(提)(供)(大)(学)(生)(的)(信)(用)(征)(询)(,为)(加)(快)(全)(国)(个)(人)(信)(用)(征)(询)(系)(统)(奠)(定)(良)(好)(基)(础)(。同)(时)(在)(个)(人)(信)(用)(评)(级)(指)(标)(方)(面)(,可)(参)(考)(商)(业)(银)(行)(信)(用)(评)(分)(标)(准)(,并)(根)(据)(实)(际)(情)(况)(变)(化)(进)(行)(适)(时)(动)(态)(调)(整)(,具)(体)(操)(作)(可)(借)(用)(国)(际)(个)(人)(信)(用)(FICO评)(分)(数)(量)(分)(析)(法)(及)(主)(观)(分)(析)(法)(,建)(立)(大)(学)(生)(信)(用)(评)(级)(模)(型)(。
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