曾經(jīng)被叫停的校園貸死灰復(fù)燃。盡管?chē)?guó)家發(fā)文規(guī)范，任何網(wǎng)絡(luò)貸款機(jī)構(gòu)都不允許向在校大學(xué)生發(fā)放貸款，但面對(duì)大學(xué)生這樣一個(gè)手中有余錢(qián)、心智不夠成熟、社會(huì)經(jīng)驗(yàn)又不足的“肥羊”群體，仍有不少人在打著校園貸的主意。
近日，據(jù)報(bào)道，記者發(fā)現(xiàn)閃銀、拍拍貸、及貸等平臺(tái)在國(guó)家取締校園貸之后，仍悄悄從事該業(yè)務(wù)。在記者測(cè)試的平臺(tái)中，仍從事校園貸的占比超過(guò)42%。
其中，閃銀平臺(tái)向?qū)W生發(fā)放高*貸年化利率高達(dá)199.38%，該平臺(tái)還“發(fā)明”了變種砍頭息，借1000元，實(shí)際只得790元。
而拍拍貸雖提示學(xué)生不能借錢(qián)，但仍成功下款。借款本金1000元，每期還款105.21元，以IRR公式計(jì)算可知，實(shí)際上在拍拍貸借款利率為年化45.39%，高于24%的法定利率;及貸則是年利率高達(dá)71.56%，還在十分隱蔽的地方搭售保險(xiǎn)。
另外，也有不少校園貸以“求職貸”“培訓(xùn)貸”“創(chuàng)業(yè)貸”等名稱(chēng)作為替換，繼續(xù)蒙騙學(xué)生。
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