eleven school "Meng Meng bank" is a private "bank" established by high school students. They follow the commercial bank model, but only do not borrow money. Student associations need to start capital, students need loans to start businesses, and individuals face some financial difficulties. Behind this can be seen the shadow of the "bank". However, the establishment of "bank" by middle school students has also raised parents' concerns. Legal experts even think that most of the middle school students are not adults. They can not afford financial responsibilities and get involved in "credit" behavior. Their identity is not suitable.
middle school students open a "bank" largest loan of 4000 yuan
"Hello, Han Hang Chang?" I'm Guo president, and lend me 2000 yuan to turn around. " President Han and President Guo are both high school students in eleven schools, one opening "bank", one selling stationery, and the VC stationery store, which is operated by the president of the Kuo. After confirmation, Han Ming and vice governor have loaned 2000 yuan, the interest rate is 100 yuan.
Han Ming, the managing director of "dream bank", is a student in the sophomore science class of the eleven school. No matter which student associations or individuals are in financial difficulties, they can call her at any time. She immediately dispatched to the customer manager to sign the bill. In the past two years, many societies have been relying on this student's "bank" to support themselves. "Shops, photography enthusiasts, Byzantine crew street dance clubs in pine forest garden... We have all provided financial support, and borrowed 4000 yuan at most. "
"Meng Meng bank" was founded by the high school students of the University, although it was the same as the commercial bank model, but not the same as the commercial banks outside, they only borrowed money. At the beginning of the 2012, the school invested ten thousand yuan as the capital of "dream bank", and the rules of operation were all made by the students themselves. The whole process of operation depends entirely on the trust between banks and student customers. Han Ming is the second president of "Meng Meng bank". No matter whether the student associations need to start capital, students need loans for starting businesses, and some personal financial difficulties are encountered. This "bank" can provide small and low interest loans.
annual interest rate unify 5% students personally can "mortgage"
in the lending process, "Meng Meng bank" has a set of rules to avoid risk. Its "lending" process is roughly: after the student customers call "Meng Meng bank", "bank" will immediately send someone to meet the customer - understand the purpose and amount of the loan, fill in, submit a loan application form, risk assessment (repayment ability and so on), the date of negotiation and interest and other items, to draw up a contract and sign a contract (three copies of the contract) It includes loan repayment period, interest, penalty and so on). According to Han Ming "President", the evaluation of loan risk in the process mainly depends on their own economic judgment. It is necessary to judge the scale of the students' Association and what is the profitability. If it is a non profit society, it also needs to take into account the channels of their repayment. After risk assessment, they dare to lend money. In addition to associations, they also provide loans for individuals. In terms of personal borrowing, in order to guarantee repayment, "Meng Meng bank" has joined the security policy of mortgaging personal loans this year. "A student has to borrow 300 yuan to buy a U plate, and we mortgaged a mobile hard disk here."
in terms of borrowing interest rates, "Meng Meng bank" this year stipulates that all the loans of the students, undivided amount without dividing the period of repayment, unified the annual interest rate of 5% to calculate, and then divided by 12 months to get the number of monthly repayment. If you borrow 1000 yuan, the interest will be 50 yuan a year and 25 yuan in half a year.
"bank" members can receive 40% interest per single bonus
according to Han Ming, "Meng Meng bank" has never had a student repudiation. It is understood that although the agreement signed by the "Meng Meng bank" does not have legal effect, the agreement is three copies, one of which is to be kept by the school and the school will check the accounts of the "bank" every year.
according to Han Ming, the operation of "dream bank" is in good condition and has been in a state of profitability. The "bank" team has 24 people, the president, the vice president has one person, the financial one, the customer manager three people, each person signed a single can get 40% interest bonus.
for "Meng Meng bank", the students of eleven schools disagree, some students think that their age should be based on learning the basic knowledge of culture, not to make any "bank" profit, and once a dispute, students will not be able to control themselves. The voice of support thinks, go to the outside regular bank to borrow money, very bad borrow, the qualification examination is not good cognizance, very troublesome, and student "bank" provides great convenience.
expert
middle school students open "bank" is unbelievable not too much involved in economic interests
dialogue person: Chen Weidong China Youth Research Center young law research institute researcher
North Qing newspaper: how do you think of students' association activities such as "bank"?
Chen Weidong: it's amazing for middle school students to do this. If this is only a teaching model or a course experience of the school, it can provide a virtual environment for the students, not the real business, I think it can. But if it is a real business and involves profit making, I think the identity of middle school students is not very suitable.
Chen Weidong: This is a question of identity and behavior. Most of the middle school students are not adults. They cannot afford financial responsibility. Although western schools have such practice activities, their laws applicable to minors are very systematic and strict. The relevant laws concerning minors in our country are more about the responsibility of protection, many of which involve the concept of illegal crimes, and lack of detailed rules.
Chen Weidong: our country's management of schools has not yet touched upon this aspect, and there is no clear definition of identity violation. For example, western countries stipulate that it is illegal for minors to smoke. This is a kind of identity violation. Our country has not yet.
Beiqing Bao: the original intention of the school is to enable students to enhance their practical ability through the experience of live ammunition and firing. Can't it?
Chen Weidong: the school's original intention is good, but it doesn't have to be done through this real business to get students to get practice, for example, in a school, a mock court, and a student can also experience a real battle through a role play. Schools can also cooperate with outside commercial establishments to establish teaching bases. But if the students do business and profit themselves, it seems unlikely that the
school will respond to
why schools allow students to start a banking community?
School: for the future career development of students,
some parents suggest that children should be based on learning basic knowledge in secondary school stage. Middle school stage is not suitable for student activities involving money. Schools should not encourage students to open "bank". In this regard, the eleven school teachers in charge of the economic community say that the reason why they support a variety of economic associations, such as "a dream bank", is mainly due to the future career development of the students. "Some people may want to do the economy, and the school can provide them with some resources and environment and set up a small simulation society." Yes, so that they can have practical training opportunities. " What about
student bank loan dispute?
School: there has been no dispute over the years
is it lawful for students to establish "banks" in schools?
School: without consideration of this issue
in the interview, students and parents ask questions: students have a "bank" to create a substantial lending behavior, is there a legal basis? One of the eleven school teachers said they did not think about these problems. "Meng Meng bank" is essentially a student community, not for profit, and the students are simple, and have not had any problems in a few years. After all, they must face the college entrance examination. After all, they should still focus on their studies.