Continuous disputes, frequent complaints ... "Training Loan" chaos is urgent to rectify

China Commercial Daily (Reporter Yang Hongsheng) "Begin who has not been loaned before joining the job, and has not yet carried out debts before going to work." In recent years, some college students have encountered a "training loan" scam during the employment process, which has caused frequent disputes and complaints. Since the beginning of this year, public security, courts and other departments have reminded college students to be alert to the "training loan" trap through public release. Experts said that some institutions violate the regulations to provide "training loans" and stabilize employment.

The National Student Financial Support Management Center issued a warning of No. 1 in 2022, reminding college students to be alert to the "training loan" scam. (The picture shows a screenshot of the website of the National Student Funding Management Center)

Training institutions induced loans

"I was brainwashed." A few days ago, 19 -year -old Li Yan (a pseudonym) reported to the China Business Daily reporter that some time ago, she and her good friends looked for a job, but encountered "training in a vocational skills training school in Chengdu, Sichuan. Loan "scam. Li Yan recalled, "At that time, I felt that this training institution was very formal, and the staff who received our staff was very good and enthusiastic. They had been chatting with us, and even made people feel embarrassed to not loan."

As a result, with the "enthusiastic" reception of the staff of the training institution, Li Yan and his good friends loaned 14,800 yuan respectively. The "Personal Loan Contract" provided by Li Yan shows that Party A (borrower) is Li Yan, and Party B (lender) is Haier Consumer Finance Co., Ltd. (hereinafter referred to as Haier Consumer Finance). The above training institutions.

"There is no time to think at all, so I signed the contract." Not long ago, Li Yan reflected his experience on a consumer service platform. The reporter searched the keyword "training loan" on the platform and found that there were 12,764 related results. Among them, there were hundreds of complaints about Haier consumer finance.

On July 7 this year, some consumers initiated a collective complaint on the above platform to reflect that a training institution in Guangzhou "published false information such as free training and high -paying employment online to induce others to learn loans." Some consumers reported that they participated in collective complaints, " Deception to loan as a non -student, the training institution is based on the name of installment payment. I consume consumer financial loans in Haier. Haier Consumer Finance is reviewed by non -school students without inquiries. The loan is repaid. I didn't plan to participate in the training, but now it is the summer vacation. I want to improve myself in the summer vacation. I saw their course on the public account and the QR code of the teacher. The teacher induced me to buy the course. , Still payment. "As of August 6, the above -mentioned consumers reported that" the teachers of the current training institutions will send messages and call them. "

On August 6, consumers reflected on the above platform that they were induced to loans, and they could not be revoked because of Haier's consumer finance "lending". "There was no return call when I applied, and Haier Consumer Finance passed the loan directly. Today, I actually put the loan loan to a third -party training institution. Please ask Haier Consumer Finance to cancel my loan immediately. I am a student. Consumer finance immediately canceled my loan. "

It should be noted that some consumers complained on July 14 that the staff of a training institution induced in the school's high school students to provide false identity information from Haier consumer financial loans. On July 18, the consumer supplementary complaints said that on July 15, he called Haier's consumer financial customer service phone to complain, the other party asked him to pay attention to the WeChat public account, and provided a voucher that proved the student's identity information. The consumer said, "4 days have passed since the time, and there is no response in Haier's consumer finance."

Regarding the qualifications of loan applicants, a reporter from China Commercial Daily consulted Haier Consumer Finance Online Customer Service. The response was: "The applicant needs to have complete civil behavior and is a mainland resident of the Chinese People's Republic of China (except Hong Kong, Macao and Taiwan). At the age of 18, under the age of 60, there are no bad credit records and serious negative information, and there is a source of income. For specific application results, please refer to the approval results. "

Remind many places to be alert to trap

On April 27 this year, the network security defense and technical reconnaissance detachment of the Huaihua City Public Security Bureau of Hunan Province issued an article entitled "The Latest Scam" Training Loan, and many college students have already been recruited ". According to the article, some "training loan" companies often apply for some applications with low qualification requirements in order to avoid the crackdown of law enforcement agencies, and even open chain training institutions. When attracting a certain number of job seekers to "enter the set", these companies will "roll the road" for various reasons such as business difficulties to avoid responsibilities.

On April 29, the Cyber ​​Security Defense Detachment of the Public Security Bureau of Yantai City, Shandong Province issued entitled "Latest Scam: Be Young Training Loan"! "The article revealed the common routine of" training loan ": false training institutions and online loan institutions cooperated, posing as recruitment companies published a lot of false recruitment information on the recruitment website, attracting job seekers to the company's loan training. Many job search college students are difficult to refuse the "good work" in front of you under the temptation of false information such as "high salaries", "bright future", "no work experience", so they hurriedly signed the corresponding contract without a detailed understanding.

China Business Daily reporters have noticed that some local courts have recently issued a "avoiding pit" guide for job search to remind you of "training loans". For example, on July 4 this year, the Gansu Provincial Higher People's Court summarized a guidelines for "avoiding the pit" of job search, reminding graduates to strengthen their awareness in job job employment, and not easily participate in training classes under the guise of making money. Transfer remittances and loans on strange web pages and platforms. On April 15 this year, the National Student funding management center issued a warning of No. 1 2022, reminding college students to be alert to the "training loan" scam. The National Student funding management center stated that some training institutions have induced students to receive curriculum training on the grounds of providing part -time workers and guide students to fill in unreal information on the online platform to apply for "training loans". After paying the tuition fees through loans, not only could they not learn valuable courses and professional skills, but also could not obtain part -time jobs promised in the early stage. In the end, they had a heavy loan debt due to difficult refunds.

The National Student funding management center reminds that we should not easily add WeChat of strangers who claim to be "teachers", do not easily participate in training courses for part -time money -making money, and do not easily transfer remittances and loans on strange web pages and platforms.

Urgently need to strengthen supervision in accordance with the law

In order to further regulate the business of college students 'Internet consumption loan business, in March last year, the five departments such as the CBRC issued the "Notice on Further Regulating the Supervision and Management of University Student Internet Consumption Loans" and required to strengthen the supervision and management of college students' Internet consumption loan business. If the outsourcing cooperation agency of lending institutions shall strengthen customers' screening, it shall not use unfair ways such as false, misunderstandings or induction publicity to induce college students to consume and excess loans in advance. It shall not target the college student group precise marketing, and shall not push to the lending institution to push drainage college students. Institutions approved by the banking supervision and management department or local financial supervision and management department may not provide credit services for college students.

Su Xiaorui, a senior analyst of the financial industry, said that "training loan" involves the funding side and the scene party, and requires separation. From the perspective of capital side, the licensed financial institution needs to establish and improve the internal control of financial marketing propaganda and strengthen the behavioral supervision of business partners. Financial supervision can issue a ticket according to this; for the scene party, the basic qualifications of the scenario field must be reviewed. For example, education and training institutions shall have a basic school license, and the training institutions of unlicensed and unlicensed and unlicensed shall be banned by the education department.

Wu Zijun, a lawyer of Beijing Xinda Law Firm, told a reporter from China Business Daily that although relevant departments have issued policy strict consumer loans, training institutions in some places are still doing their own. An important reason is that the relevant regulations are not perfect. Therefore, the priority is to improve relevant laws and regulations as soon as possible.

The reporter noticed that some places are actively legislative for "training loan". For example, Article 14 of the "Henan Provincial Training Institutional Supervision and Management Measures (Trial) (Trial)" stipulates that the training institution shall not be mandatory or induce students to use consumer loans, and shall not bind loans, finance and other products or services. The draft of the solicitation of the comments clearly, for the training institutions that publish false enrollment or advertisements and deceive money, "the education administrative department of the people's government at or above the county level, human resources and social security department, civil affairs department, market supervision and management department or other relevant departments order Correction within a time limit and warned; if there is an illegal income, the illegal income is confiscated after the fees are refunded; if the circumstances are serious, it shall be ordered to stop the enrollment, revoke a school license or a business license (a certificate of registration of private non -enterprise units); Be held criminally responsible."

Article 9 of the "Measures for the Supervision and Administration of Guangzhou Training Institutions (Draft for Opinions)" stipulates that the training institutions shall not be mandatory or induce trainees or their guardians to use consumer loans to pay training fees, and training services shall not bind loans, finance and other products or services. Financial institutions and small loan companies illegally issue consumer loans to trainees of training institutions shall be investigated and punished by the corresponding financial regulatory authorities according to law.

In addition, "under the premise of improving relevant laws and regulations, relevant departments should increase training and loan governance in accordance with the law, build a regulatory firewall, and effectively protect the legitimate rights and interests of consumers." Wu Zijun said.

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