Campus loan upgraded version reborn Fuzhou University City "blooming everywhere"?

Deng Kang, studying at Fuzhou Normal University. In my second year of high school, I entered a training institution called Power under the introduction of my high school classmates.

Later, when he received the repayment notice, he realized that he had a 6,090-yuan installment loan.

After four classes, he felt that the course was too "watery" and wanted to get a refund. He was required to pay all tuition fees from 20 17 1 to April. You also need to pay for classes you didn't take.

"What is repeated in many courses is that several lecturers are repeating their speeches.

"Deng Kang said.

Deng Kang is 6090 yuan, with interest 1400 yuan, and the annual interest rate is 22.9%.

"I thought it was to pay tuition by installments, but I didn't know it was a loan.

"

2017 On February 27th, the CBRC, together with the Ministry of Education and Ministry of Human Resources and Social Security, issued the Notice of the Three Departments on Further Strengthening the Standardized Management of Campus Loans (hereinafter referred to as the Notice), which hedged the bad creditor's rights and loans such as "job-seeking loans", "training loans" and "entrepreneurship loans" in some places.

Lawyer Zuo Goldman Sachs, a law firm, believes that this is an upgraded version of campus loans. They cooperate with P2P platform to bring campus loans into the legal consumer finance system, and its essence is campus loans.

train

"They came to Fuzhou to run training institutions. Or the school I showed them.

Near the summer vacation, Deng Kang, a freshman, received a WeChat from a high school classmate, saying that three seniors were coming to Fuzhou to start a business and asked Deng Kang to show her around the campus.

Deng Kang didn't know that these three people would become his creditors in the next few months.

Zhu Xiaopeng, who claimed to be led by them, wore a black T-shirt, basketball pants and sneakers, and the other two also wore student clothes.

They said that they are senior students of Guangzhou University, and they came to Fuzhou to start a business, so let's take a look first.

Why do entrepreneurs visit schools? Deng Kang was a little confused.

Zhu Xiaopeng and others also asked Deng Kang some questions that he didn't quite understand.

For example, where is the office building near the school, how many students are there, where are the canteens, how many canteens are there, what are the names of students, and what are the differences in living habits?

Later, Deng Kangming understood the intention of these questions.

Two months later, 2065438+August 23rd, 2007, Guangzhou Caili Talent Service Co., Ltd. was formally established and Zhu Xiaopeng returned to Fuzhou again.

Meng Hui, a student at Minjiang University, still remembers the first time he was inspired to talk with people in the canteen.

At that time, it was very late to take part in student work. A man suddenly stood in front of Meng Hui who was eating alone in the canteen. He is a predecessor from Guangzhou, whose name is Ye Yuzhou. Now he is an intern in Fuzhou and wants to do a student survey.

Meng Hui listened for a while "uneasy" before agreeing.

"The main thing is that what I learned in college is useless. I can't find a job after school.

Seeing Meng Hui's attitude relaxed, Ye Yuzhou continued to add that the sharing meeting was held in Duff, and they were cooperating with Duff.

Meng Hui thought there was nothing wrong with going to Duff to attend the sharing meeting, so she filled out the list and attended it.

That day, she began to feel strange. The sharing meeting in Fuzhou University mentioned by Ye Yuzhou is actually the commercial street at the back door of Fuzhou University's student dormitory, where the buildings are very dark and few businesses open the door.

Different from ordinary companies, the incentive is not at the end of the corridor, but a small signboard hanging at the crossroads, which reads Guangzhou Incentive Talent Training Center.

To go to class, you need to go through a long building.

Various activities can be carried out in these areas without complaints due to noise.

Before each class, "let's welcome teacher XXX's class with warm applause!" " "Was introduced. The students applauded warmly, and these "teachers" from Guangzhou said, "Hello, classmates! " .

The following students said in neat applause: "Come on! Very good! Cheer up! Very good! Cheer up! Very good! "

In addition to attending classes, students are also encouraged to organize "social survival experiences".

A woman from Fujian Institute of Technology once talked about Meng Hui. Survival experience is that people who ask for directions get money to "play" in Fuzhou.

loan

"I was' consulted' for 4 hours that day, and my brain was very chaotic. The consultant in the back took my mobile phone and bought crayons in installments. There was no loan at that time, only installment payment.

Tommy understands that installment can pay tuition in multiple installments. It was not until next month that she received a text message on her mobile phone urging her to pay in installments with crayons that she realized that she had borrowed more than 1,000 yuan.

A similar situation happened to Deng Kang and Liang. At that time, they didn't know what a loan was like.

2015 On August 28th, Beijing Yixin Zhixin Credit Evaluation Co., Ltd. (hereinafter referred to as "Sincerity") and the Credit Management Research Center of China Renmin University jointly released the "Investigation Report on Credit Cognition of National College Students".

The report shows that more than 80% of college students have never heard of or learned about personal credit reports. College students are generally unfamiliar with credit card and loan knowledge.

When Meng Hui started to manage staging, director Zhu Xiaopeng explained that they were free, because staging crayons were their "good friends" and they didn't charge students interest.

Zhu Xiaopeng's calling crayons "good friends" is not groundless.

The crayon staff introduced in detail the calculation method of "passage fee" between them and the training institutions.

"Judging from your performance, less than 2 million accounts for 1%, between 2 million and 5 million accounts for 1.2%, and more than 5 million accounts for 1.5%.

"

The method of auditing lending institutions and educational institutions with crayons is also quite simple. After scanning the QR code, students can pass the audit within 3 minutes instead of directly passing the system audit by phone.

Institutions assist in submitting materials, staff negotiate, affix the official seal of the training institution, and send crayons in stages to open the authority.

201717 On February 27th, China Banking Regulatory Commission, Ministry of Education and Ministry of Human Resources and Social Security jointly promoted credit services in education, employment and career guidance under the name of Notice on Further Strengthening the Standardized Management of Campus Loans (hereinafter referred to as the Notice), and cooperated with local financial supervision departments and public security departments in time when major cases were discovered.

Tommy didn't go to class.

Motivated courses are arranged at night and on weekends. If she wants to go to class, she has no time to pay back the money.

Because she can't say that her parents have "big debts", she goes to work in a shopping mall in Fuzhou from Fujian University Town every week. She works an extra 24 hours a week, and the time to commute by bus is 1 hour, which is equivalent to striking a balance between paying off debts and making ends meet.

She can't strike.

I signed the contract in a muddle, but I didn't find the hidden clause in the contract-if Party B applies for the talent training plan and withdraws midway, Party A will charge Party B the tuition fee from the application to the formal withdrawal.

"Considering paying back the money every month, I must be thrifty and know that they are rubbish, but I must provide the money.

"Tommy said that the cost of each class is 65,438+065,438+00 yuan, three classes a week, which exceeds the total tuition fee of 65,438+02 months for more than two months.

cheat

Meng Hui went to the second class, only to know that she was forced to go.

"training. See who reads fast. Isn't the Chinese class for primary school students fun? "

165438+1October14th, Reed Company plans to "train".

About 30 people have conducted oral English training under the guidance of "teachers". Each of them has a small piece of paper the size of a palm, and reading 100 words in 9 seconds is a great man among them.

The content of the communication class made Meng Hui more convinced that this was a scam.

In fact, many things that teachers often quote are yellow jokes. For example, a man asked a girl if she rolled sheets, and the girl said yes. Does this volume mean commitment or this person? There are many similar examples, and classes are always noisy.

There is also a war of words with bargaining as the content.

This is more than one year's college tuition 1000 yuan, which makes people feel cheated.

Meng Hui and Deng Kang not only attended several classes, but also questioned the motivation of substantive education level.

He found that the course materials he inspired were actually the contents of the self-management books he usually read, in which the cultivation of self-control, micro-habits, time management and so on were almost copied.

There are many other articles like "Chicken Soup" appearing on various official WeChat accounts.

After investigation, the business scope of Guangzhou Reward Talent Service Co., Ltd. includes enterprise management service, enterprise management consulting service, enterprise image planning service, education consulting service, marketing planning service, talent evaluation and talent career selection consulting and guidance.

Yi Shenghua, the chief lawyer of the Criminal Department of Beijing Yingke Law Firm, believes that the current training course with incentive nature is the edge ball of "educational consultation". However, in the process of rewarding and paying tuition fees, students have gone beyond the boundaries of consultation and belong to continuing education, but continuing education is not within the scope of rewarding and operating.

Yi Shenghua added that setting up educational institutions and conducting business activities without approval is a violation of the Law on the Promotion of Private Education and must be banned and punished.

Collusion with private loan companies to defraud students of money has been suspected of economic crimes and should be severely cracked down.

When Meng Hui attended the class for less than a month and asked for a refund, Director Zhu Xiaopeng told her that the interest on your previous loan was paid in advance by the organization, so 680 yuan was rewarded first, and then 680 yuan was paid in installments, that is, the crayon fee, service fee and material fee were 150 yuan.

Meng Xiao, first of all, I haven't been there for over 12 months. Why should I pay 12 months' interest? Why should I pay two interest payments next? How much is the service charge? What is the material cost?

Zhu Xiaopeng said that in any case, if the loan term is 12 months, the interest must be paid 12 months. When I first came, the teacher said it would take so long to pay the service fee. The material fee is a small note issued every time you practice oral English.

secret

Colleges and universities in Fuzhou University Town thought that they were "legitimate" incentives, but in fact they were body double of Dahui, a training credit institution that was stationed in Guangzhou University Town on 20 17.

Last year, in the name of training in Guangzhou University Town, Dahui cooperated with P2P online lending platform to transfer the debt relationship through installment loans, which made many college students suffer from the dumb loss of training loans.

2017,6543818, Dahui's main organization took a group photo with the students on wechat as a souvenir. This is an internal activity called "Story: The sea is wide with fish jumping, and the sky is high with birds flying".

Among the students who participated in the motivation, many are Zhu Xiaopeng, a corporate body encouraged by Zhu Xiaopeng, a champion tutor in Weibo. It is mentioned in the article that Liao is the main recruiting force for Miao to invite them to participate in the incentive plan this year.

They left Guangzhou University Town and went to Fuzhou University Town to re-register the company for enrollment, which was not unrelated to the heavy blow of Guangzhou police on training loans last year.

2017 in April, the training loan fraud case of Guangzhou University Town Road Guidance Company was reported by Southern Metropolis Daily, and nearly 100 media outlets such as People's Daily WeChat, Communist Youth League Central WeChat and Tencent WeChat were reprinted one after another.

20 17 On April 20th, Guangzhou Tianhe District People's Court issued an announcement to the company.

The announcement shows that the plaintiff Tian asked the court to make a judgment. The defendant repaid the subsidy of 9920 yuan and the interest of 500 yuan. The defendant bears all the litigation costs of this case.

According to the public judgment of China Judgment Document Network, the defendant Guangzhou Daodeman Education Technology Co., Ltd. returned the subsidy of 9920 yuan to the plaintiff Tian Xin within 10 days from the effective date of this judgment.

2017 in may, more than 400 college students in Guangzhou university town were cheated, and the training loan contract fraud case involving more than 4 million yuan was detected by Guangzhou Tianhe police.

Four key members of the target company were arrested.

At the same time, the same type and type of Dahui as the guide quickly disappeared, and the official micro-signal Dahui Education will not be updated from March 30, 20 17.

From June 2065438 to June 2007, Zhu Xiaopeng, Huang Kai and Xie Xieteng, the main members of Dahui, came to Fuzhou University Town for a month-long investigation.

At the same time, Dahui came to university towns in five or six cities in China under different names.

Universities in Fuzhou are not ignorant of the incentive measures to take root in the university town.

A counselor at Minjiang College said, I have heard of such a thing this year, but he doesn't think it is particularly serious.

A counselor of Fuzhou University once helped students solve the incentive dispute. "Many 17 levels are reflected. The school is in charge. Please don't tell your parents about it. School appearances can be cancelled.

However, the counselor believes that rewarding the loan contract is legal and compliant, which is not fraudulent and cannot be banned.

Tommy also found himself cheated. He once told the counselor and the college that the counselor could only send a notice to remind everyone.

The education teacher called the Fuzhou police on this issue, and the police propaganda department responded that it did not know this situation and did not receive an alarm call.

The staff of Fuzhou education department said that this is the management field of the private sector of the Ministry of Education, but the telephone of this sector has been unable to connect.

From 2065438+August 23rd, 2007, when the incentive was formally established, to 20165438+1October 65438+May, just one year and three months was just a way for employees and students in Guangzhou to attract students. Last year, the enrollment scale of Guangzhou was more than 400 students.

On the day of 15, the first sentence of Reed's WeChat tweet indicated that 4,000 people had participated so far.

They are pleased to announce that Fuzhou University Town will be fully opened.

Beijing News Education Teacher Chen Liyuan Editor Lu Hong School Zheng Yang Xu Li

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