三部門下發通知叫停校園貸 鼓勵銀行進校園

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後，中國已於日前禁止了大學生網上貸款。

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.

中國銀監會、教育部和人力資源社會保障部近期發佈的一則通知稱，未註冊或未獲監管部門授權的金融機構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，現存的網上貸款機構必須退出市場。拒絕退出的將會被關閉。

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構將會被起訴。

Campus loans have been a brewing problem in schools across China.

在中國的各所高校，校園貸款已經成爲一個潛在的問題。

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.

據報道，一些陷入金融陷阱的學生有自殺的、有離家出走的、還有用性行爲還債的。

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.

網上貸款者往往通過釋放貸款每日利息設下陷阱。平均每日利率爲0.1%至0.2%，這就意味着月利率可達3%至6%。也就是說，年利率可達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學生髮行信用卡和標準消費者貸款18年後，中國建設銀行和中國銀行已經於五月份發起了爲大學生定製的新的消費者貸款。

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爲5.6%和5%。據分析人士們介紹，國有銀行有望淨化被私人高利貸者控制的校園借貸市場。