三部門下發(fā)通知叫停校園貸 鼓勵銀行進(jìn)校園
China has banned online loans to college students following a three-year boom in campus lending.
在三年的校園借貸瘋潮之后，中國已于日前禁止了大學(xué)生網(wǎng)上貸款。
Financial institutions not registered or authorized by regulators are now banned from offering loans on campus, said a recent notice by China's Banking Regulatory Commission, the Ministry of Education, and the Ministry of Human Resources and Social Security.
中國銀監(jiān)會、教育部和人力資源社會保障部近期發(fā)布的一則通知稱，未注冊或未獲監(jiān)管部門授權(quán)的金融機(jī)構(gòu)將不得提供校園貸款。
The notice said existing online lenders must withdraw from the market. Those who refuse will be shut down.
該通知稱，現(xiàn)存的網(wǎng)上貸款機(jī)構(gòu)必須退出市場。拒絕退出的將會被關(guān)閉。
Institutions suspected of malicious fraud, violence, and spreading obscenities will be subject to prosecution.
涉嫌惡意詐騙、暴力和傳播色情的機(jī)構(gòu)將會被起訴。
Campus loans have been a brewing problem in schools across China.
在中國的各所高校，校園貸款已經(jīng)成為一個潛在的問題。
Some students who fall into this financial trap have been reported to have committed suicide, ran away from their homes, or settled their debts with sexual favors.
據(jù)報道，一些陷入金融陷阱的學(xué)生有自殺的、有離家出走的、還有用性行為還債的。
Online lenders set traps often by releasing the daily interest rate for loans. Average daily interest rates range from 0.1 percent to 0.2 percent, which means monthly rates can reach three to six percent. This translates to an annual interest rate of 70 to 140 percent.
網(wǎng)上貸款者往往通過釋放貸款每日利息設(shè)下陷阱。平均每日利率為0.1%至0.2%，這就意味著月利率可達(dá)3%至6%。也就是說，年利率可達(dá)70%至140%。
China Construction Bank, and Bank of China in May initiated new consumer loans tailored for university students, 18 years after Chinese banks stopped issuing credit cards and standard consumer loans to students.
在中國的銀行停止向?qū)W生發(fā)行信用卡和標(biāo)準(zhǔn)消費(fèi)者貸款18年后，中國建設(shè)銀行和中國銀行已經(jīng)于五月份發(fā)起了為大學(xué)生定制的新的消費(fèi)者貸款。
The annual interest rates of the two banks are 5.6 percent and 5 percent respectively. The state-owned banks are expected to cleanse the campus loan market, which has been controlled by private loan sharks, according to analysts.
兩家銀行的年利率分別為5.6%和5%。據(jù)分析人士們介紹，國有銀行有望凈化被私人高利貸者控制的校園借貸市場。
China has banned online loans to college students following a three-year boom in campus lending.
在三年的校園借貸瘋潮之后，中國已于日前禁止了大學(xué)生網(wǎng)上貸款。
Financial institutions not registered or authorized by regulators are now banned from offering loans on campus, said a recent notice by China's Banking Regulatory Commission, the Ministry of Education, and the Ministry of Human Resources and Social Security.
中國銀監(jiān)會、教育部和人力資源社會保障部近期發(fā)布的一則通知稱，未注冊或未獲監(jiān)管部門授權(quán)的金融機(jī)構(gòu)將不得提供校園貸款。
The notice said existing online lenders must withdraw from the market. Those who refuse will be shut down.
該通知稱，現(xiàn)存的網(wǎng)上貸款機(jī)構(gòu)必須退出市場。拒絕退出的將會被關(guān)閉。
Institutions suspected of malicious fraud, violence, and spreading obscenities will be subject to prosecution.
涉嫌惡意詐騙、暴力和傳播色情的機(jī)構(gòu)將會被起訴。
Campus loans have been a brewing problem in schools across China.
在中國的各所高校，校園貸款已經(jīng)成為一個潛在的問題。
Some students who fall into this financial trap have been reported to have committed suicide, ran away from their homes, or settled their debts with sexual favors.
據(jù)報道，一些陷入金融陷阱的學(xué)生有自殺的、有離家出走的、還有用性行為還債的。
Online lenders set traps often by releasing the daily interest rate for loans. Average daily interest rates range from 0.1 percent to 0.2 percent, which means monthly rates can reach three to six percent. This translates to an annual interest rate of 70 to 140 percent.
網(wǎng)上貸款者往往通過釋放貸款每日利息設(shè)下陷阱。平均每日利率為0.1%至0.2%，這就意味著月利率可達(dá)3%至6%。也就是說，年利率可達(dá)70%至140%。
China Construction Bank, and Bank of China in May initiated new consumer loans tailored for university students, 18 years after Chinese banks stopped issuing credit cards and standard consumer loans to students.
在中國的銀行停止向?qū)W生發(fā)行信用卡和標(biāo)準(zhǔn)消費(fèi)者貸款18年后，中國建設(shè)銀行和中國銀行已經(jīng)于五月份發(fā)起了為大學(xué)生定制的新的消費(fèi)者貸款。
The annual interest rates of the two banks are 5.6 percent and 5 percent respectively. The state-owned banks are expected to cleanse the campus loan market, which has been controlled by private loan sharks, according to analysts.
兩家銀行的年利率分別為5.6%和5%。據(jù)分析人士們介紹，國有銀行有望凈化被私人高利貸者控制的校園借貸市場。
