三部门下发通知叫停校园贷 鼓励银行进校园

China has banned online loans to college students following a three-year boom in campus lending.

在三年的校园借贷疯潮之后，中国已于日前禁止了大学生网上贷款。

Financial institutions not registered or authorized by regulators are now banned from offering loans on campus, said a recent notice by China's Banking Regulatory Commission, the Ministry of Education, and the Ministry of Human Resources and Social Security.

中国银监会、教育部和人力资源社会保障部近期发布的一则通知称，未注册或未获监管部门授权的金融机构将不得提供校园贷款。

The notice said existing online lenders must withdraw from the market. Those who refuse will be shut down.

该通知称，现存的网上贷款机构必须退出市场。拒绝退出的将会被关闭。

Institutions suspected of malicious fraud, violence, and spreading obscenities will be subject to prosecution.

涉嫌恶意诈骗、暴力和传播色情的机构将会被起诉。

Campus loans have been a brewing problem in schools across China.

在中国的各所高校，校园贷款已经成为一个潜在的问题。

Some students who fall into this financial trap have been reported to have committed suicide, ran away from their homes, or settled their debts with sexual favors.

据报道，一些陷入金融陷阱的学生有自杀的、有离家出走的、还有用性行为还债的。

Online lenders set traps often by releasing the daily interest rate for loans. Average daily interest rates range from 0.1 percent to 0.2 percent, which means monthly rates can reach three to six percent. This translates to an annual interest rate of 70 to 140 percent.

网上贷款者往往通过释放贷款每日利息设下陷阱。平均每日利率为0.1%至0.2%，这就意味着月利率可达3%至6%。也就是说，年利率可达70%至140%。

China Construction Bank, and Bank of China in May initiated new consumer loans tailored for university students, 18 years after Chinese banks stopped issuing credit cards and standard consumer loans to students.

在中国的银行停止向学生发行信用卡和标准消费者贷款18年后，中国建设银行和中国银行已经于五月份发起了为大学生定制的新的消费者贷款。

The annual interest rates of the two banks are 5.6 percent and 5 percent respectively. The state-owned banks are expected to cleanse the campus loan market, which has been controlled by private loan sharks, according to analysts.

两家银行的年利率分别为5.6%和5%。据分析人士们介绍，国有银行有望净化被私人高利贷者控制的校园借贷市场。