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

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

Later, when I received the repayment notice, I realized that I had backed an installment loan of 6090 yuan.

After four classes, he felt that the course was too "watery" and wanted a refund. Ask him 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 talking repeatedly.

"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 in installments, but I didn't expect it to be a loan.

"

On February 27th, 20 17, China Banking Regulatory Commission, together with the Ministry of Education and Ministry of Human Resources and Social Security, issued the Notice of 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 "venture loans" in some places.

Lawyer Zuo of Shi Jing Law Firm believes that this is an upgraded version of campus loan. They cooperate with P2P platform to bring campus loan into the legal consumer finance system, and its essence is campus loan.

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 their leader, wore a black T-shirt, basketball pants and sneakers, and the other two also wore student clothes.

They said that they were senior students of Guangzhou University and came to Fuzhou to start a business, so they came to visit first.

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

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 those 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 of Minjiang College, 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. His predecessor is from Guangzhou and his name is Ye Yuzhou. Now I am an intern in Fuzhou, and I want 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, and I can't find a job at school.

Seeing Meng Hui's attitude relaxed, Ye Yuzhou went on to add that the sharing meeting was 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 he filled out the form and attended.

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 building is very dark and few businesses open the door.

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

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

All kinds of activities can be carried out in these areas without being complained because of 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 lady from Fujian Institute of Technology once talked about Meng Hui. The survival experience is that people who ask for directions take money to "play" in Fuzhou.

loan

"I was' consulted' for 4 hours that day, and my brain was a mess. 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 payment 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 000 yuan.

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

20 15 On August 28th, Beijing Yixinzhi Credit Evaluation Co., Ltd. (hereinafter referred to as "Yixin") and the Credit Management Research Center of China Renmin University jointly released the "Report on the National College Students' Credit Cognition".

The report shows that more than 80% of college students have never heard of or don't know about personal credit report. College students are generally unfamiliar with the knowledge of credit cards and loans.

At the beginning of Meng Hui's handling of staging, director Zhu Xiaopeng explained that they were free, because staging crayons were their "good friends" and did not charge students interest.

It is not groundless for Zhu Xiaopeng to call crayons "good friends".

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

"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 way to examine lenders and educational institutions with crayons is also quite simple. Students can pass the audit within 3 minutes after scanning the QR code, instead of directly passing the system audit by phone.

The organization assists in submitting materials, the staff negotiates, affixes the official seal of the training organization, and sends crayons in stages to open the authority.

2065438+0717 On February 27th, China Banking Regulatory Commission, Ministry of Education and Ministry of Human Resources and Social Security jointly recommended credit services, education, employment and career guidance in the name of the Notice on Further Strengthening the Standardized Management of Campus Loans (hereinafter referred to as the Notice), found major cases, and cooperated with local financial supervision departments and public security departments in time.

Tommy didn't go to class.

Motivated classes are arranged in the evening 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 takes the bus 1 hour to and from work, 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 quits 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, knowing that they are rubbish, but I must provide the money.

"Tommy said that each class 1 10 yuan has three classes a week, which exceeds the total tuition fee of more than two months 12 months.

cheat

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

"training. See who reads fast. Haven't primary school students played Chinese classes? "

165438+ 10/4, Reed Company intends to "cultivate".

About 30 people have had 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 asks a girl if she rolls sheets, and the girl says yes. Is this volume a promise 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 expensive than a year's college tuition 1000 yuan, which makes people feel cheated.

Not only did Meng Hui and Deng Kang have several classes, but they also questioned the substantive education level of motivation.

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 similar to "Chicken Soup" appearing on various official WeChat accounts.

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

Yi Shenghua, the chief lawyer of the Criminal Department of Beijing Yingke Law Firm, believes that the current training courses with incentive nature are 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 opening 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 cracked down.

When Meng Hui attended classes 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, crayons, service fees and materials fees were paid in installments 150 yuan.

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

Zhu Xiaopeng said that in any case, if the loan 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 sent every time you practice oral English.

secret

The colleges and universities in Fuzhou University Town think that they are "legitimate" incentives, but in fact they are the physical body double of Dahui, a training credit institution stationed in Guangzhou University Town on 20 17.

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

2017,6543818, Dahui organized a group photo with the students on wechat, an internal activity called "Story: The sea is wide and the fish jumps, and the sky is high and the birds fly".

Among the students who participated in the motivation, many are Zhu Xiaopeng, a corporate body encouraged by Zhu Xiaopeng, a champion tutor in Weibo. As mentioned in the article, Liao is the main enrollment force that Miao invited them to participate in the award this year.

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

On April 20 17, the training loan fraud 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.

According to the announcement, 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 Guide Education Technology Co., Ltd. will return the subsidy of 9920 yuan to the plaintiff Tian Xin within 10 days from the effective date of this judgment.

20/kloc-in may, 2007, 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, as a guide, the same type of Dahui 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 Fang, former main members of Dahui, were released in Fuzhou University Town and conducted a survey for nearly a month.

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

Universities in Fuzhou are not unaware of the incentives that have taken 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 incentive disputes. "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 the reward loan contract is legal and compliant, not fraudulent, and the institution 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 a private management field of the Ministry of Education, but the telephone of this department 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 open.

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

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