暑期网络消费进入高峰期，"校园贷"以新形式重新出现在青少年面前。这些不良机构通过短视频、直播等平台精准投放贷款入口，针对青少年的社交娱乐需求设置消费诱导。[1]
为应对这一问题，相关部门已采取行动。中央网信办启动了为期4个月的"清朗·未成年人网络保护"专项行动，并明确规定不得设置诱导网络沉迷和过度消费的算法模型。[1]人力资源社会保障部等部门联合发布风险提示，提醒青少年警惕"招转培""培训贷"等骗局。[1]北京市市场监管综合执法总队对12家主流平台开展了行政约谈，吉林金融监管局也发布了关于警惕"招转贷"陷阱的风险提示。[1]
相关部门建议消费者和家长提高警惕、加强防范，并提醒通过12315平台、公安机关等途径依法维权。[1]
As summer brings a surge in online spending, campus lending schemes have reemerged in fresh forms, targeting young people through short video platforms and live streaming services with precisely targeted loan offers tied to social entertainment needs.[1] In response, regulatory authorities have initiated coordinated enforcement actions and issued public warnings to protect minors and consumers.
The Cyberspace Administration of China has launched a four-month specialized campaign titled "Clear the Cyberspace: Protection of Minors Online," which explicitly prohibits the deployment of algorithmic models designed to induce internet addiction and excessive consumption.[1] Meanwhile, the Ministry of Human Resources and Social Security and other departments have jointly released risk alerts cautioning the public against schemes such as "recruitment-to-training" and "training loans."[1] The Beijing Municipal Market Supervision and Enforcement Detachment has conducted administrative interviews with twelve major platforms to address these practices.[1] The Jilin Financial Regulatory Bureau has separately issued risk warnings specifically targeting "recruitment-to-loan" traps.[1]
Authorities advise consumers to report violations through channels including the 12315 consumer hotline and public security agencies to seek legal remedies.[1]