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“教育分期”贷款成培训机构潜规则 退课容易退钱难

      来源:北京青年报  

 

华尔街英语的课程合同,学生贷款将还有一份合同

退不掉课程的学员将剩余课程放到二手平台售卖

  “教育分期”贷款成培训机构潜规则

  一旦申请“教育分期”贷款学生便面临退课难 有学生退不掉课只能上二手平台转卖

  ZUORI,《BEIJINGQINGNIANBAO》DUIHUAERJIEYINGYUZHUDONGXIANGDAXUESHENGTUIXIAOSUOWEIDE“JIAOYUFENQI”DAIKUANYISHIJINXINGLEBAODAO 。BEIQINGBAOJIZHEJINGGUODIAOCHALEJIEDAO,ZAIJIAOYUPEIXUNZHONG,ZHUDONGXIANGXUESHENGTUIXIAO“JIAOYUFENQI”DAIKUANDEQINGKUANGBINGFEIGEAN,DUOJIAJIAOYUJIGOUDOUYOUXIANGXUESHENGTUIJIAN“JIAOYUFENQI”DAIKUANDEXINGWEI。ERYIDANZAIXUEFEISHANG“BEISHANG”CILEIDAIKUAN,XIANG“TUIKE”JIUHENNANLE。BEIQINGBAOJIZHELEJIEDAO,JINGLILEFENQIDAIKUANBAOBANZHIHOUTUIKUANNANDERENBINGFEISHAOSHU。WEILEJIANSHAOSUNSHI,TAMENBUDEBUJIANGTUIBUDIAODEKECHENGFANGZAIERSHOUJIAOYIPINGTAISHANGJINXINGFANMAI。

  事件

  多所培训机构涉“教育分期”贷

  ZAIZUORI《BEIJINGQINGNIANBAO》BAODAOLEHUAERJIEYINGYUZAIXIAOSHOUYINGYUPEIXUNKECHENGZHONG,ZHUDONGXIANGWUJINGJINENGLIDEDAXUESHENGTUIXIAO“JIAOYUFENQI”DAIKUANYISHIHOU,ZAIHUAERJIEYINGYUXUEXIDEXIAOXUEXIANGBEIQINGBAOJIZHEJIANGSHULETAZAIHUAERJIEYINGYUDEGOUKEJINGLI。

  XIAOXUESHUO,TAJINNIANXIATIANYANJIUSHENGBIYESHIZAIHUAERJIEYINGYUGOUMAILEXIANGGUANKECHENG。GOUKEQIAN,XIAOXUEFENBIEZAIHUAERJIEYINGYUPEIXUNJIGOUSANGEXIAOQUJINXINGGUOZIXUN,MEIGEXIAOQUDEXIAOSHOURENYUANDOUTUIJIANTASHIYONG“JIAOYUFENQI”DAIKUANDEFANGSHIZHIFUXUEFEI。XIAOXUESHUO,TAZHIHOUZAIKECHENGGUWENDEZHIDAOXIABANLILEGUANGFAYINXINGDEFENQI。XIAOXUEGAOSUBEIQINGBAOJIZHE,XIANZAITAMEIGEYUEDOUYAOHAI1800DUOYUANDEXUEFEIYIJI112YUANDESHOUXUFEI,“XIAOSHOUJIWOBANLIFENQIDESHIHOUYECONGMEIHEWOTIGUOYOUSHOUXUFEIZHEIJIANSHI,SUOYI,WODANGCHUYIWEIZHEIGE112YUANZHISHOUYICI,MEIXIANGDAOSHIYUEYUEDOUZAISHOU。”ZHEIYANGSUANXIALAI,XIAOXUEDE28QIDAIKUANQUANBUHAIWANSHI,HAIYAOEWAIZHIFU3136YUANSHOUXUFEI。

  DAXUESHENGZHANGYING(HUAMING)ZEGAOSUBEIQINGBAOJIZHE,TASHIZAIYINIANQIANGANGSHANGDAXUEBUJIUDESHIHOU,ZAIYINGFUJIAOYUKECHENGGUWENDETUIJIANXIAGOUMAILEKECHENG,KECHENGWEIQILIANGNIAN,ZONGJIA4WANDUOYUAN。“ZIXUNDESHIHOUTAMENSHUODEHENHAO,ERQIEZAIDEZHIWOGANGSHANGDAXUE,MEISHENMEQIANDESHIHOU,HAIZHUDONGGAOSUWONENGFENQIFUKUAN。WODANGSHIYITING,YIGEYUEJIUHAI2000YUAN,SHINENGJIESHOUDE,JIUBANLEKA。DANSHIHOULAISHANGLEYIDUANSHIJIANKEHOU,WOGANJUEBUTAISHIHEWO,JIUXIANGTUIKUAN,DANPEIXUNJIGOUQUESHUOSHENMEDOUBUJIWOTUI。”

  CHULEXIAOXUEHEZHANGYINGWAI,HAIYOUBUSHAOWANGYOUZAIWEIBO、TIEBA、LUNTANSHANGFATIETUCAOZIJIBEIJIAOYUPEIXUNJIGOUDE“JIAOYUFENQI”DAIKUAN“KENG”LEDESHI。

  探访

  推荐“教育分期”贷成常态

  BEIQINGBAOJIZHEYIXUESHENGDESHENFENTANFANGLEBEIJINGDUOSUOPEIXUNJIGOU。ZAIHUAERJIEYINGYUWEIYUWANGJINGDEFENXIAO,KECHENGGUWENWEIBEIQINGBAOJIZHE“LIANGSHENDINGZHI”LE8GEJIBIE,WEIQIYINIANDEXUEXIKECHENG,KECHENGFEIYONGWEI3.6WANYUAN。ZAITANDAOFUKUANSHI,KECHENGGUWENZHIJIEBIAOSHI,KAOLVDAOZAIXIAOXUESHENG,QUANKUANYALIDA,SUOYIKEJIANGXUEFEIFENQIFUKUAN,“FENQINENGSHIYONGXINYONGKAHUOBAIDUQIANBAO,NIBAOLEMING,WOMENDIANNEIDERENHUIBANGNICAOZUO。”ERDUIZHEIZHONGFENQISHIFOUYOUSHOUXUFEICHANSHENG,KECHENGGUWENZEBIAOSHIYAO“KANQINGKUANG”。

  WEIYUDAWANGLUDEYINGFUJIAOYU,KECHENGGUWENJIANYIBEIQINGBAOJIZHEGOUMAIYINIANDEKECHENGJINXINGXUEXI,FEIYONGWEI3WANYUANZUOYOU,YEKEYIXUANZEFENQIFUKUAN,“SHOUFUYAO5999YUAN,SHENGXIADE12GEYUE,MEIYUEFUKUAN2000YUAN。”ERWEIYUGUOMAODEWEIBOYINGYU,QIKEFURENYUANZAIDIANHUAZHONGGAOSUBEIQINGBAOJIZHE,DIANNEIDEKECHENGGUWENHUIWEIXUEYUANZHIDINGDUIYINGDEKECHENGJIHUA,XUEYUANZAIGENJUKECHENGJIHUAFUFEI,“KESHIFEIYONGWEIBANNIANHUOYINIANFU,FUKUANDEFANGSHIYOUQUANKUANHEFENQI。YIBANXIANGNIZHEIYANGDEDAXUESHENG,WOMENDOUJIANYIFENQI。”KEFURENYUANCHENG,YUTAMENXUEXIAOHEZUODE“JIAOYUFENQI”JIGOUYESHIBAIDUJINRONG。

  CHULEHUAERJIEYINGYU、YINGFUJIAOYU、WEIBOJIAOYUZHEIJISUOYINGYUPEIXUNJIGOUWAI,BEIQINGBAOJIZHEHAIFAXIAN,ZAIYIXIEZHIYEJIAOYUJIGOUZHONGYECUNZAIGULIXUESHENG“JIAOYUFENQI”DAIKUANDEXINGWEI。BEIQINGBAOJIZHEYIDAZHUANZAIXIAOSHENG,XIANGZIKAOBENKEWEIYOUZIXUNLESHANGDEJIAOYU,GONGZUORENYUANCHENG,MUQIANZIKAOPEIXUNBANYOUSANGEDENGJIDESHOUFEIBIAOZHUN,SHOUFEICONG5980YUANDAO12480YUANBUDENG。WEILERANGBEIQINGBAOJIZHENENG“ANXIN”BAOMING,GAIGONGZUORENYUANHAIJIESHAOLETAMENSUOHEZUODEJINRONGJIGOU,CHULENENGYONGZHIQIANTANFANGDESANJIAYINGYUPEIXUNJIGOUDOUYOUDE“BAIDUJINRONG”WAI,HAINENGYONG“KAFEIYIRONG”HE“HAIMIWEIDAI”。

  调查

  多数培训机构不愿退款

  DIAOCHAZHONGBEIQINGBAOJIZHEHAIFAXIAN,WULUNSHIXIANSHANGZIXUNHAISHIXIANXIAZIXUN,ZHEIXIEPEIXUNJIGOUDABUFENDOUBIAOSHI,ZHENGCHANGQINGKUANGXIA,KECHENGKUANBUKETUI。YANJIUSHENGQIANNVSHIGAOSUBEIQINGBAOJIZHE,TAZAIBANLIFENQIFUXUEFEIQIAN,KECHENGGUWENJIUHENZHIJIEDIGAOSUTA,YIHOUYAOSHIBUXIANGXUEDEHUA,QIANTUIBULE。

  XIAOXUEYEGAOSUBEIQINGBAOJIZHE,TADEKECHENGHETONGZHONGSUIRANYOUYIZHANGTUIKUANFANGSHI,DANJUTASUOZHI,TASUORENSHIDERENDANGZHONG,MEIYOUYIGERENTUIKUANCHENGGONGDE,“WOMENHENDUORENTUIKUANTUIBUCHENG,ZHINENGQUERSHOUJIAOYIPINGTAISHANGMAIKE。”

  ZAIMOUERSHOUJIAOYIWANGZHANSHANG,BEIQINGBAOJIZHESOUSUOLEJIGEDAXINGPEIXUNJIGOUDEMINGCHENGFAXIAN,JIHUMEIGEJIGOUDOUYOUZICHENGXUEYUANDEMAIJIAZAIZHUANSHOUKECHENG。YIMINGZAISHOUHUAERJIEYINGYUKECHENGDEMAIJIAGAOSUBEIQINGBAOJIZHE,TAYIGONGMAILE7WANYUANDEKE,DANSHIJISHANGZHISHANGLE2GEYUEBUDAOJIUBUXIANGSHANGLE,“YISHIYINWEISHIJIANWENTI,ERSHIYINWEIHAIKUANYALIHENDA。”MAIJIASHUO,TACENGXIANGHUAERJIETICHUGUOTUIKUANDEQINGQIU,DANBEIBOHUILE。ERZAIERSHOUPINGTAISHANGMAIKEYESHIKECHENGGUWENJICHUDEZHUYI。

  ZAIMOUYINGYUPEIXUNJIGOUCONGYEDUONIANDEZHANGNVSHIGAOSUBEIQINGBAOJIZHE,PEIXUNJIGOUZHISUOYIBUYUANJIXUEYUANBANLITUIKUAN,YISHIYULAOSHI、XIAOSHOUDEYEJIYOUGUAN;ERSHIYUFENQIFUXUEFEITUIKUANLIUCHENGFANSUOYOUGUAN。

  YIBANPEIXUNJIGOUDEYUANGONGSHANGGANGQIANDOUHUIJINXINGYIDUANYEWUPEIXUN。PEIXUNDENEIRONGZHONGMINGQUE,MEIDANGTANCHENGYIBIDANZI,JIGOUDOUHUIJILAOSHIXIANGYINGDETICHENGHEJIANGJIN,RUOSHIZHUANMENFUZEXIAOSHOUDERENYUAN,MEIGEYUEHAIHUIYOUYEJIZHIBIAO,SUOYIYIDANCHUXIANXUESHENGTUIQIANDEQINGKUANG,GAIJIAOYUJIGOUJIUHUIDUIXIANGYINGDELAOSHIHEXIAOSHOURENYUANJINXINGKOUQIANCHUFA,SUOYIDADUOSHULAOSHIHEXIAOSHOURENYUANDOUBUHUIQINGYIRANGXUESHENGLIKAI。

  ZHIYUTUIKUANLIUCHENGDEFANSUO,ZHUYAOYINWEIXUESHENGSHIFENBIEYUBUTONGDEJIGOUQIANXIEYI。

  YIZHIQINGRENSHIBIAOSHI:“DAIPEIXUNFEIDESHIHOUXUESHENGYUXUEXIAOQIANYIFENXIEYI,RANHOUYOUHEYINXINGHUOZHEQITAJINRONGJIGOUQIANLINGYIFENXIEYI。YUXUEXIAOQIANDEXIEYISHIDACHENGPEIXUNDE,YUJINRONGJIGOUQIANDEXIEYIZESHIJIEDAIDE。QIZHONGDEGUANXISHIXUEXIAOZHAOLEXUESHENG,XUESHENGTONGGUOJINRONGGONGSIDAIKUAN,JINRONGGONGSIBAQIANFUJIXUEXIAO。ZHEIYANG,YIDANYAOTUIQIAN,JIUDEXUEXIAOXIANTONGYI,RANHOUXUEXIAOZAIJIANGSHENGYUDEQIANJIDAOXUESHENGHUOZHEJINRONGJIGOUSHOULI,ERTUIKUANSUOCHANSHENGDESUNSHIHEFENQIDELIXIHAISHIYAOXUESHENGQUEWAIZHIFU。”

  观点

  培训机构应向学员明示贷款条款

  DUIYUJIAOYUJIGOUXIANGXUESHENGZHUTUI“JIAOYUFENQI”DAIKUANCHENGCHANGTAIYISHI,BEIJINGKANGDALVSHISHIWUSUODELVSHIHANXIAOBIAOSHI,SUIRANGUOJIAZAIGULIXUESHENGSHIYONGFENQIDAIKUANDEFANGSHILAIZHIFUXUEFEIYIJIANQINGYALI,DANSHI,XUESHENGYINGDANGRENZHUNPEIXUNJIGOUSUOHEZUODEJINRONGGONGSISHIFOUSHIZHENGGUIGONGSI。GENJUHULIANWANGJINRONGFENGXIANZHUANXIANGZHENGZHIGONGZUOLINGDAOXIAOZUJINRIXIAFADE《GUANYUJIADATONGGUOHULIANWANGKAIZHANZICHANGUANLIYEWUZHENGZHILIDUJIKAIZHANYANSHOUGONGZUODETONGZHI》(XIACHENG《TONGZHI》),MINGQUEWEIQUDEJINRONGPAIZHAOBUDECONGSHIHULIANWANGZIGUANYEWU。

  RUGUOTIGONGXUEFEIDENGXIAOFEIDAIKUANDEXINDAIPINGTAIMEIYOUQUDEJINRONGPAIZHAO,SHANZIYUNYINGDAIKUANCHANPIN,SHUYUWEIFAWEIGUIJINGYINGHULIANWANGZICHANGUANLI,SHEXIANXUJIATUIGUANG、WUDAOJIEKUANREN,TONGYANGSHEXIANXUJIAXUANCHUANJIBUZHENGDANGJINGZHENG。

  RUGUOHULIANWANGXINDAIPINGTAIQUDELEZHONGYANGJINRONGGUANLIBUMENBANFADEZICHANGUANLIYEWUPAIZHAOHUOHEFAHEGUIDEJINRONGPAIZHAO,NEIMEJINGGUOXINGZHENGXUKEDEHULIANWANGPINGTAI,KEYIYITUOHULIANWANGGONGKAIFAXING、XIAOSHOUZICHANGUANLICHANPIN。

  HEFAHEGUIDEHULIANWANGXINDAIPINGTAIKEYIXIANGXUEYUANTIGONGPEIXUNJIGOUXUEFEIDAIKUAN,ZAICIHAIYOUYIGEQIANTISHI,XUEYUANDUIDAIKUANDEXINGZHI、EDU、HAIKUANXINGZHIDENGJUNQINGCHULEJIE。PEIXUNJIGOURUOMEIYOUXIANGXUEYUANMINGSHIDAIKUANTIAOKUAN,HUOSHIJILVXINGQINGKUANGYUQIANQIYUEDINGBUYIZHI,DAOZHIXUEYUANZAIBUZHIQINGDEQINGKUANGXIAQIANDINGDAIKUANFUWUHETONG,NEIMEPEIXUNJIGOURENGSHEXIANXUJIAXUANCHUANJIYOUDAOXINGXUANCHUAN。(JIZHE WANGTIANQI SHIXISHENG ZHANGYAOLIN)

作者: 责任编辑:河北政协新闻网
 
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