培训贷

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合规培训贷:求职者职业发展道路的助推器
Cai Fu Zai Xian· 2025-09-19 09:37
Core Viewpoint - "Training loans" are becoming a popular financial tool for job seekers looking to enhance their skills, provided they are used within legal boundaries [1][3] Group 1: Legal Conditions for Training Loans - The legality of training loans hinges on three main conditions: voluntary agreement between both parties, the lender must be a legally qualified financial institution, and the interest rates must comply with legal limits [1][2] - The Supreme People's Court has established clear guidelines on interest rates for private loans, ensuring that they do not exceed legal caps, thus protecting both lenders and borrowers [2] Group 2: Best Practices for Job Seekers - Job seekers should prioritize choosing accredited training institutions, as they typically offer better quality education and work with compliant loan platforms [2] - It is crucial for borrowers to thoroughly review loan contracts, understanding key details such as loan amount, interest rates, repayment methods, and terms to avoid future disputes [2] - Consulting financial professionals for contract clarification can help ensure that borrowers' rights are adequately protected [2][3] Group 3: Benefits of Training Loans - When used correctly, training loans can effectively address the financial challenges faced by job seekers in their skill enhancement journey, acting as a "booster" for career development [3]
教育培训服务类投诉量同比上升超四成
Jin Rong Shi Bao· 2025-08-13 00:49
Group 1: Consumer Complaints Overview - In the first half of 2025, the China Consumers Association received a total of 995,971 consumer complaints, representing a year-on-year increase of 27.23% [1] - Out of these complaints, 509,655 were resolved, resulting in a total economic loss recovery of 452 million yuan [1] - Complaints related to financial services increased significantly, with the volume rising from 0.24% to 0.76% of total complaints [1] Group 2: Education and Training Complaints - The education and training services category saw a substantial rise in complaints, totaling 44,126 in the first half of 2025, up 43.7% from 30,712 in the same period last year [1] - Issues such as vague contract terms, unreasonable refund policies, and misleading advertisements have led to numerous consumer disputes in this sector [2] - The "zero-based high-paying part-time job" advertisements have been particularly problematic, often leading consumers into "training loan" traps [2] Group 3: Case Studies and Legal Actions - A real case highlighted involved a consumer, Ms. Zhang, who faced difficulties with a training institution that failed to deliver promised payments after she enrolled in a course [3] - Complaints related to "pay after learning" schemes have reached 18,298, while those concerning "training loans" have surged to 31,750 [3] - Judicial cases regarding "training loans" have emerged, with courts ruling on disputes arising from misleading educational contracts [4] Group 4: Regulatory and Industry Response - The financial regulatory authorities have previously issued warnings about the risks associated with "training loans," emphasizing the need for consumer vigilance [5] - The market for "training loans" is significant, with various lending institutions and consumer finance companies involved [6] - Recommendations have been made for financial regulators to standardize the "pay after learning" model and enhance consumer protection measures [6][7]
别掉进“先学后付”等“培训贷”陷阱!中消协最新发布→
Jin Rong Shi Bao· 2025-08-08 11:25
Group 1 - The China Consumer Association reported a total of 995,971 consumer complaints in the first half of 2025, a year-on-year increase of 27.23%, with 509,655 cases resolved, recovering economic losses of 452 million yuan [1] - Complaints related to financial services increased from 0.24% to 0.76% of total complaints, amounting to 7,564 cases in the first half of 2025 [1] - The education and training services category saw a significant rise in complaints, totaling 44,126 cases, up 43.7% from 30,712 cases in the same period last year [1] Group 2 - The rise of misleading advertisements for "high-paying part-time jobs" has led to numerous consumer disputes, with issues including vague contract terms and unreasonable refund policies [2] - Many training institutions lure consumers with false promises and induce them to take out loans, leading to significant consumer complaints regarding "training loans" [2][3] - A specific case highlighted involved a consumer who was misled into believing in a "no-interest" installment plan, only to discover hidden interest charges totaling 2,005.84 yuan [3] Group 3 - Judicial cases related to "training loans" have emerged, with courts ruling on disputes arising from misleading educational contracts and the imposition of penalties for contract breaches [4] - Regulatory bodies have previously warned consumers about the risks associated with "training loans," emphasizing the need for vigilance against false promises and hidden costs [5] Group 4 - The market for skill training loans is substantial, with various lending institutions and consumer finance companies involved [6] - Recommendations for financial regulators include standardizing the "pay after learning" model and ensuring training institutions provide clear risk disclosures before loan agreements [6] Group 5 - Consumer finance institutions are advised to exercise caution in their partnerships and ensure compliance with regulations to protect consumer rights [7] - The increase in complaints and the prevalence of "training loan" traps highlight the need for enhanced consumer protection measures and regulatory enforcement [7]