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前中南财经政法大学EMBA浙江教学中心主任·盘和林:
2018-07-16 作者: 来源:

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  校园贷属于一种典型的金融消费行为,相关部门还应按照审慎监管原则进行管制,对校园贷的发放全过程进行风险监测、预警、控制等,要求涉及校园贷链条上的所有公司都须遵循周密而谨慎的经营规则,制定严格的把关程序、风险控制机制和相关责任追究制度。因此,基于消费者保护和金融监管原则,虽然大学生已经具备民事能力,但大学生没有独立、稳定的经济能力,即还款能力,必须引入监护人的审查与把关甚至是担保,否则就应由放贷公司承担责任,对大学生进行“倾斜性保护”,只有这样才会倒逼放贷公司遵循金融的“谨慎性原则”。?

凡标注来源为“经济参考报”或“经济参考网”的所有文字、图片、音视频稿件,及电子杂志等数字媒体产品,版权均属经济参考报社,未经经济参考报社书面授权,不得以任何形式刊载、播放。获取授权
南方基金

2016年A股派现总额近万亿元

2016年A股派现总额近万亿元

,在监管部门大力倡导之下,2016年上市公司现金分红规模和比率有了显著提高,总体分红金额达到了9656.35亿元,逼近万亿大关。

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