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教育

警惕!大学生频繁被盯上,高校该出手了

“nishibushibanliguoxiaoyuandai?xianzaizhengceyoubian,buzhuxiaohuiyingxiangzhengxin……”zuijin,dazhezhuxiaoxiaoyuandaimingyidepianjupinfa。pianzihuangchengzhuxiaoxiaoyuandai,shizeshiyoudaoshouhairenjiangqiankuandazhizijizhangwodeyinxingzhanghunei。dezhouyimingdaxueshengjiedaozheiyizhapiandianhuahou,qingxin“kefu”,gensuizheiwei“kefu”dezhidao,gaixueshengyibuyibuwangxiacaozuojinxing“xiaohu”,bingfenbiezaimeituan、xiaomijinrong、weiboqianbaosangepingtaidailesanbikuan,gongji3wanyuyuan。zheiwei“kefu”yourangqibadaikuanqingkong,bazheixieqiandadaolingyigezhanghushang,zhihouhuijigaixueshengdahuilai。suihougaixueshengjiangqiankuanzhuandaoyigemoshengrendezhanghu……

zhapian“shengji”,pianzitongguo“zhengxin”dengminganziyan,youpiansheshiweishendedaxueshengbinglvcideshou。danshenjiulaikan,shangshuanlisuiran“xinxian”,danhaishipianqudaikuandelaotaolu,doutongguoweizhuangkefulianxidaxuesheng,zhunqueshuochuqishenfenxinxi、bianzaoliyourangdaxueshengkonghuang,ranhouyaoqiuzhuanzhang。

yabo登录jinnianlai,zaiyouguanbumendelianhezhilixia,buliang“xiaoyuandai”dedaoleyidingchengdudezhili。danbufenbufajigouzaibaoliyouhuoxiatingerzouxian,yixiepianzidetaoluye“gengxinhuandai”,rengyouyixiexueshengshangdangshoupian。zheiyanzhongqinfanlexueshengdehefaquanyi,zaochenglebuliangdeshehuiyingxiang。

“校园贷”暴露大学生财务管理问题

yabo登录jinnianlai,dajizhili“xiaoyuandai”dexingdongyizhizaijinxing:

2019年10月,教育部在官网发布消息称: 教育部、公安部将联合有关部门对不良“校园贷”机构进行严厉打击。为及时准确掌握相关线索,教育部在“中国学生资助”微信公众号开通“不良‘校园贷’举报通道”,向广大师生、家长征集不良“校园贷”线索。
湖北银保监局2019年表示,为引导大学生防范及远离“非法校园贷”,将向全省大学生投放80亿元至100亿元官方消费信贷,力争每个学生消费贷款5000元左右标准,满足大学生正常消费信贷需求。湖北银保监局强调,始终维持强大的宣传声势,着力营造防范和打击“非法校园贷”的良好氛围;始终紧盯网贷风险的严峻形势,有力遏制了“非法校园贷”的高发势头。
……

值得注意的是,“校园贷”的放贷对象多为有超前消费习惯、自控能力差yabo登录的在校大学生。“0利息、无门槛、免担保”等宣传让不少大学生深陷其中,有时候大学生甚至还会遭遇文章开头所讲的一些新型诈骗,让其钱包遭到“二次收割”。

教育部在去年9月召开的新闻发布会介绍了2018年秋季开学前全国学生资助工作有关情况。在发布会上,全国学生资助管理中心马建斌副主任表示: “这两年媒体报道出来,因为所谓的‘校园贷’引发的恶性事件,根据yabo登录调查,没有一例是因为在校交不起学费、没有生活费的原因去贷款的,而更多的原因是盲目的超前消费,还有一些是其他个人的因素。”这其实暴露了当代大学生金融素养与财务管理问题。

hunangongshangdaxueduigaixiaojiqi“xiaoyuandai”anlijinxingpouxi,faxianxueshengxianru‘xiaoyuandai’dezhuyaoyuanyinbushishenghuonanyiweiji,ershixiaofeiguanchuxianlewenti,mangmupanbi,zhuiqiuchaochujiatingchengshounenglidegaoxiaofei。”

yabo登录ciqian,maikesicengduidaxueshengxiaofeilicaideqingkuangjinxingyanjiu,shujuxianshi,24%dedaxueshengouershenghuofeibugouyong,7%jingchangbugouyong。duigaishujujinyibufenxifaxian,38%dedaxueshengbuhuiduishenghuofeideshiyongjinxingjihuaheanpai。dangshenghuofeiwufamanzukaixiaoshi,51%dedaxueshengxuanzefangqixiaofei,erqitarenhuixuanze“xiangfumuqiuzhu”(24%)、“xianxiaofeihoufukuan”(20%)、“xiangpengyoujieqian”(5%)dexingshimanzuxiaofeixuqiu。

mianduidangxiaduiyixiebuliangwangdaipingtaiquefajianguanhezhengzhiyijibufenxueshengyouzhejiaoqiangxiaofeixuqiudanduicaiwuweijiquefaminganxing、meiyouzhengquedelicaiguanniandewenti,gaoxiaogairuhebangzhuxueshengshulikexuedexiaofeiguan,zhimiandaxueshengdecaiwuwenti,peiyangtamenduicaiwudeminganxingni?

高校如何帮助大学生进行理性消费和财务管理?

daxueshengdaikuan,wulunshiweimanzuwuzhixuqiuhaishiziyabodenglunenglitisheng,jiuqiyuanyinshilianggezi“queqian”,erqueqiandebeihoujieluledaxueshengzijinguanlinenglicunzaiwenti。

yabo登录zhenduizheiyixianxiang,sitanfudaxuetongguo“jinqianbeihoudexinli”jihuagenjuxueshengxihao,kaizhanlewangzhan、lilunke、zhutiyantaohui、yiduiyidecaiwufudaoyijixiaoyuanhuodong。

yabo登录xueshengtongguotedingwangzhandexianshangzijinguanligongjukeyibianjiedilejieyuxuexiyouguandegerenchuxu、touzi、xuefeizhifudengbutongzhutidejibencaiwuxinxi。xihuanchuantongketangxuexidexueshengkeyixuanxiuzhuanmenkaishedejinronglicaikecheng。

lingwai,zhenduidaduoshuxueshengdexuqiu,sitanfudaxuebujinanpaixuexiaodeshuiwuzongjianweixueshengzuocaiwuguihuadezhutijiangzuo,erqiehaiyaoqingqitaxiaowaizhuanjiazuojiangzuo。

yabo登录erweilebangzhuxueshengyingduicaiwuwenti,manchesitedaxuezaiqiwangzhanshanghaishezhile“xueshengzizhu”zhuanlan,gailanmuxiafenbieshezhile“chongfenliyongnidejinqian”“zhaoxunzhuanqianjihui”“daxuexuefei”“jinqianxiaofeidea-ztiaojianyi”sigerukou,bingduimeigerukoulideneirongjinxingxifen。

biruzai“zhaoxunzhuanqianjihui”xia,bajianzhijihuianbenkesheng、yanjiushengheguojishenglaihuafen,rangxueshengyimuleran,gengjiajingzhundingweishihezijidejianzhi。xueshengtongguoguanwangzhuce,zaixianshouqusuozhengbaochou,yezaiyidingchengdushangbaozhenglezishenliyi,bimiandiaorushehuishangbuliangfenzidequantao。

zai“jinqianxiaofeidea-ztiaojianyixia”,manchesitedaxueliejulexuduodaxueshengcaiwuxiangguandechangshi,biruzenyangjianshaozhangwu,ruhekaitongyinxingzhanghu,xianruzhaiwugaixiangsheiqiuzhudengwenti,jishishilicaixiaobai,yenengtongguozheixiexiangxijieshitianbulicaizhishi。

yabo登录daxueshengyinggaizuohaojinrongzhishichubei,zheiduitamenfeichangzhongyao。ergaoxiaokeyitongguogexiangcuoshibangzhudaxueshengguanlicaiwu,tianbujinrongkongbai,bimiandaxueshengjinru“xiaoyuandai”dequantao。

来源:yabo登录-yabo体育登录

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