自银监会联合教育部、人社部发布了《关于进一步加强校园贷规范管理工作的通知》(以下简称《通知》)，要求现阶段一律暂停网贷机构开展在校大学生网贷业务，并逐步消化存量业务，同时鼓励银行等合格放贷主体进入“校园贷”。舆论一边倒地为银行进入校园市场欢呼雀跃，寄望于银行能治好裸条、自杀等顽疾。但这种轻松的论调显然盲目乐观，在易观智库高级分析师马韬看来银行进入校园市场还面临诸多障碍。最大的问题是要有足够的技术把成本降下来，银行的优势在于合规、品牌和信誉方面，互联网机构或者网贷平台之前会有一些数据积累和沉淀，包括它对学生这种无信用人群，发展出的较成熟的风险和控制模型。而且校园市场已经彻底互联网化，银行产品若要...
Since the China banking regulatory commission jointly the ministry of education, people club department issued "on further strengthening the campus credit management work notice (hereinafter referred to as the" notice "), the requirements shall be suspended net lending institutions to carry out college students at present stage network credit business, and gradually digest the stock business, at the same time encourage qualified lending bank such as the main body into the "borrowed" campus. Public opinion is overwhelmingly cheered for Banks to enter the campus market, hope that the bank can cure naked, suicide and other ills. But this kind of relaxed tone blindly optimistic, obviously at analysys think-tank, a senior analyst at Ma Tao seems to Banks to enter the campus market still faces many obstacles. The biggest problem is to have enough technology to cut down the cost, the bank has the advantage of compliance, brand and reputation, Internet agency or network platform loan before there will be some data accumulation and precipitation, including it, that have no credit to the student population, develop more mature risk and control model. The bank, and the campus market has completely Internet products to...
