Views on personal loans to individuals

"The teacher of the training institution has been advising me to pay in installments and let me fill in the information as she said." Recently, Dunant Data Research Institute received many complaints from college students, saying that it was induced by the training institution to apply for consumer loans, and the loan platform it provided was not a formal loan contract, which deliberately blurred its lending attributes.

In March of 20021year, the regulatory authorities strictly regulated student loans, prohibited microfinance companies and unlicensed institutions from issuing loans to college students, and resolutely curbed the Internet platform to induce marketing and other behaviors to accurately "harvest" college students. The "ban" has been issued for more than a year, but the above platform still cooperates with training institutions to issue loans to college students.

I thought it was "by stages", but I got a loan of 5000.

"The teacher of the training institution said,' Pay after one month of study'. I thought it was just an ordinary installment. The teacher of the training institution never told me that it was a loan! " Xiaoyi (pseudonym), who is still a sophomore, can't accept it. The "student-aided installment" in the sales mouth of training institutions has become a "loan" provided by microfinance companies after the successful application. This "face change" made him dumbfounded. "After the application was successful, the money went directly into the training structure without going through my account. It was not until the loan platform sent me a text message that I realized that I had borrowed more than 5,000. "

In the past month, the Digital Finance Innovation and Compliance Research Group of Dunant Data Research Institute contacted nearly 20 such complainants. In the eyes of these students, "loan" and "installment payment" are completely different concepts. Therefore, the sales of training institutions often adopt "phased learning" instead of "loans", and the marketing tactics used by sales personnel include "green learning platform", "grants" and "phased education".

According to the research group of Du Nan, the recent training institutions involved in complaints include distance education, Dana education, Tanzhou education, Flash education, Dapeng education, light education and Mars education.

The operators of "Yi Rong installment" and "double payment" platforms are actually the same.

Du Nan's research team inquired the data of Tian Yan and found that there was a correlation between "phased integration" and "double pay". Shareholders of yingtan Rong Century Network Microfinance Co., Ltd., the main operator of Yi Rong installment, are: Beijing Rong Century Information Technology Co., Ltd., accounting for 40% of the shares; Beijing Rongniu Information Technology Co., Ltd., accounting for 20% of the shares; Shanghai Shimiao Information Technology Service Co., Ltd. holds 40% of the shares. Among them, Beijing Rongshiji Information Technology Co., Ltd. is the listed entity of Rong360, and Beijing Rongniu Information Technology Co., Ltd. is the wholly-owned holding entity of Rong360. The actual controller and legal person of this small loan company is also a legal person of Rong360. According to the query of Tianyancha data, Beijing Tiantu Chizheng Information Technology Co., Ltd., the operator of the "Double Payment" platform, owns the software copyright of the Android and iOS versions of the "Yi Rong Staging" App, and Shanghai Shimiao Information Technology Service Co., Ltd., the shareholder of yingtan Rongshiji Network Microfinance Co., Ltd., also owns the software copyright of the "Yi Rong Staging" App.

A complainant offered an agreement with the "better pay" platform, and many students had the same agreement.

/kloc-under 0/8 years old, you can be your relatives and friends, and the interest rate exceeds the red line.

According to the clue that "integration is easy to be phased" provided by consumers, the phenomenon of training loan was measured in Du Nan in late March this year.

Upload a logo at will, and you can pass without being a student.

In the verification stage of graduation certificate of "Yi Rong Staging" platform, the front of the ID card was uploaded according to the instruction of Dana's education teacher and passed the verification.

Ouyang Rihui, vice president of China Internet Economic Research Institute of Central University of Finance and Economics, pointed out that in these cases, at least the training institutions transferred the trainees' information to financial institutions to induce the trainees to participate in loans, which was suspected of improper marketing promotion. Pan Helin, co-director and researcher of the Digital Economy and Financial Innovation Research Center of the International Joint Business School of Zhejiang University, added, "Education and training institutions do not have

In fact, as early as March of 20021year, the China Banking Regulatory Commission, the Internet Information Office, the Ministry of Education, the Ministry of Public Security and the Central Bank jointly issued the Notice on Further Regulating the Supervision and Management of Internet Consumer Loans for College Students (hereinafter referred to as the Notice), clearly stipulating that microfinance companies are not allowed to issue Internet consumer loans to college students, and institutions established without the approval of the regulatory authorities are not allowed to provide credit services to college students. In addition, the irregular management of student loans by consumer finance companies has also been supervised by informed criticism.

In addition, Yue Han, a lawyer of Guangdong Southern Fred Law Firm, said that the training institution instructed students to provide false job information and impersonated non-college students to pass the platform examination, which was suspected of contract fraud. If the amount and amount involved are relatively large, serious cases may be suspected of contract fraud.

Produced by Dunant Data Research Institute and Digital Finance Innovation and Compliance Research Group.

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