Refuse Campus Loan Seminar
2019年9月26日下午14点，保卫处联合北京市工商银行朝阳区支行，在科研楼校董会议室举办了“远离校园贷”主题讲座，支行保卫部韩群明主任为学生们普及了防范校园贷的相关知识，现场反响热烈。
On September 26th, 2019, The Leading Group for Financial Social Risk Prevention and Control in Chaoyang District of Beijing and University of International Business and Economics’ Department of Security jointly organized a “Refuse Campus Loan” themed event. This Seminar invites the lecturer Mr. Han Qunming, President of Industrial and Commercial Bank of China Chaoyang Branch, to popularize relevant financial knowledge and legal knowledge based on the campus loan.
韩群明主任有着三十多年的专业工作经验，他先后介绍了校园贷的含义与分类、常见的陷阱、可能产生的危害以及当代大学生如何识别与应对校园贷等四部分内容。通过介绍，学生们对七种常见的校园贷形式：不良贷、高利贷、多头贷、传销贷、刷单贷、裸条贷和培训贷有了初步认知，并了解到骗子们常常以“低息”“分期”等诱饵吸引当代大学生堕入骗局，使学生们面临利息超高无法承担，进而连累身边人群，产生暴力催款等风险。韩主任还以“领导要求汇款”、“60岁老人网上银行开户”等电信诈骗实例，生动揭露了骗子们的丑恶行径，提出了“人贪才上当”的忠告。关于非法集资，他给出了量化判断标准：收益率超过6%的时候请打个问号，超过8%的时候可能已经很危险，超过10%就要准备损失全部本金了，以此勉励贸大学子远离非法集资，避免上当受骗。
This seminar has 4 parts, which includes the definition and classification of campus loan, common pitfalls, the harm of campus loan, and how to recognize and respond to campus loan. Mr. Han has more than 30-year working experience, and he believes there are 7 different campus loan forms. Through the seminar, students and faculties get to know the different campus loan forms as well. The forms include Non-Performing Loan, usury, loan from multiple sources, pyramid scheme loan, brushing loan, loans secured against nude photos, and loans for trainees. Landers utilize low threshold, simple procedure, fast lending and etc. as baits to attract college students into loan frauds. During the seminar, Mr. Han introduced that there are other methods that the Fraudsters always use to establish telecommunication fraud, for example, calls from supervisor and ask for remittance, open e-bank account for elders, and so on. Mr. Han also reminded students if the interest rate reaches as high as 8% to 10%, the investment result can be a massive loss.
Mr. Han Qunming, also President of Industrial and Commercial Bank of China Chaoyang Branch, delivers a speech on campus loan problem on Sep. 26th, 2019. [Photo/Department of Security]
面对种种风险，他提出了几条建议。一是应将学习放在首位，避免不必要的花费，同时多学习金融知识，以便在必要之时识破骗子圈套；二是，谨慎使用个人身份信息，不随意出借身份证并替人担保，避免个人信息泄漏；三是，树立正确的消费观，量入为出、适度消费、勤俭节约、艰苦奋斗。四是，积极投身社会实践，走出校园、走进社会。
In order to avoid risks, Mr. Han gave us four suggestions. First, college students should put study at first, in the meantime, learn more financial literacy in order to avoid the illegal loan trap. Second, protect identity, do not vouch for anyone. Besides, have the right consumption view. The last but not the least, involve in more social practice and learn more loan frauds in real society.
海明威曾说：“我们要相信，不同的青春，同样的迷惘，然而，青春会生长，迷惘会散去。”在青春年华里，如校园贷之类的诱惑会带来“迷惘”，打乱正常的成长步调，但此次讲座带来的安全知识普及，将有助于提高我校学生的安全防范意识，是“校园贷”问题的有效预防针。
“Different youth, also lost. However, the youth will grow, lost to dissipate. After the night, the sun also rises!” Ernest Hemingway once said. At a young age, people always feel lost, but over time, the lost will fade away. The popularization of this loan safety seminar will help faculties and students improve their safety awareness and effectively prevent the occurrence of campus loans.
