The family is poor. How about poor college students working in banks?

My family is poor. How about poor college students working in banks? I also work in a bank financial institution now. Objectively speaking, I don't think the external environment has any influence on employees with poor family circumstances. I'm from the technical department, so I don't need to make a deposit or make friends. However, I think many people with poor family conditions may have a feeling of being unable to let go and feeling inferior. This is not imposed on us by the social environment, but formed by ourselves, and we need to overcome and correct it ourselves. I always believe that society is fair. Give and you will get. You give yourself a good attitude. There may be many factors that we can't decide, but we can change the fate of ourselves and the next generation by trying to make ourselves better.

How about working in a bank from a poor family? It is not easy.

It's a headache to get a card, and other colleagues said that they would go hitchhiking in the future. Their homes are all high-end residential areas and have cars. My home is a super shabby old community with electric cars. I don't blame my parents. They worked hard outside and spent a lot of money on me. I don't think it's a big deal that college students are rich second generation, but work is really. . . It's no use blaming yourself. I want to be comfortable and decent. Now because the school has been urging me, I am also very angry and agreed, but now I am sad and don't want to go to work at all. . .

How to help a poor college student can go to the Red Cross for consultation, or join a group online, but most scammers still go to the regular Red Cross.

How to help poor college students in Liaoning? Municipal youth league Committee

How to write the application form for poor college students? Just go to Baidu and check it out. We used to check it there.

The list of poor college students who owe loans was exposed.

Recently, China Industrial and Commercial Bank Beijing Branch exposed the names, ID numbers and contact information of more than 200 college students who were in arrears with student loans on the Internet in the form of "debt collection announcement", and submitted the borrower's default record to the personal credit information system of the People's Bank of China, with a view to the exposed college students returning the loans voluntarily under "heavy pressure". It is reported that the total outstanding loan principal and interest announced this time is 3710.5 million yuan, which is the first time that ICBC has released the personal information of these students.

According to the introduction of ICBC Beijing Branch, after the online announcement, students with 13 loans have contacted the bank on their own initiative, and 7 of them have made it clear that they will repay the outstanding loan principal and interest in the near future.

Beijing Morning Post

Don't fall on the "first step" of personal credit.

For a society that urgently needs to establish a credit system, the punishment for dishonesty is not more but less, and the exposure of dishonesty is not more but less. Generally speaking, as long as it is within the framework of laws and regulations, it is completely acceptable to prudently announce borrowers who are in arrears with bank loans, and it is also necessary to treat student loans equally.

It should be noted that after graduating from campus, college students are "economic men" who enter the society. College students finish their studies with the help of the national student loan, and they are obliged to repay the student loan in time after graduation, but they are temporarily unable to repay the student loan. They can also negotiate with the bank to extend the repayment period through extension. In a sense, student loan is the "first step" of personal credit. In fact, as long as there is an honest and trustworthy "heart", it is much more difficult to solve the problem. High-quality groups with college education should not fall into the "first step" of personal credit, but should bravely assume their own responsibilities and obligations.

Southern network

Learning knowledge is learning to be a man.

There may be various reasons for students to default on student loans: low salary after graduation, difficult life, and even inability to find a job. Nowadays, it is generally difficult to find employment, and the starting salary is generally reduced upon graduation. The above difficulties cannot be ruled out. However, even in this case, you can make an agreement with the bank to pay less every month or later. But you can't "play missing". "Missing" is a breach of contract, which may be the defendant.

Some people may think that they will not repay their loans in another city after graduation. Who knows? The Opinions of the General Office of the State Council on the Construction of Social Credit System issued in March this year clearly requires that the information sharing platform system of real-name registration system based on organization code and ID number should be gradually built and improved, and a joint disciplinary mechanism for dishonesty should be formed, so as to truly make the untrustworthy "unable to move". At present, all functional departments of the central government are actively improving this system.

Honesty is a compulsory course in life. As the first "manager" of student loans, schools have the obligation to publicize and educate students in this regard.

Guangzhou Daily

Caution should be exercised when disclosing personal information about loans owed.

As a commercial bank, debt collection is understandable, but it must be recognized that the debt relationship between banks and poor college students has certain particularity. If the bank's debt collection method is improper, it will not only fail to achieve its goal, but also make the loan owed a "dormant account". The author believes that banks must consider the following points when collecting debts:

First of all, we should carefully identify the college students who owe loans, which are rich and which are willing to pay back but unable to pay back. If it is the former, it is necessary to take targeted debt collection measures and even some disciplinary measures; If it is the latter, banks should be more cautious in debt collection. Although there are many bad people with stable income, it must be admitted that this is only a small part of college students who owe loans, and most college students who owe loans will not bet on personal credit.

Secondly, don't turn debt collection into debt collection. ICBC's announcement of all kinds of information about students in arrears also implies another meaning, that is, if students in arrears do not repay in time, their personal credit may be affected in the future. Therefore, once the bank turns debt collection into debt collection, it may lead to adverse consequences.

Furthermore, banks need to seek legal procedures to unilaterally publish the "blacklist". As some lawyers have pointed out, contract disputes are best solved through legal channels. Even if no one can be found, the court can announce the service and judge by default. It is more in line with legal procedures to execute through the court.

qilu evening news

Exposing the "blacklist" has information security risks.

The dunning announcement of ICBC Beijing Branch is "detailed", including name, complete ID number and detailed home addresses of each village. The author believes that such detailed personal information will bring huge information security risks to these citizens, and this information is likely to be used for profit or even crime (such as making fake ID cards).

We regard the establishment of a credit system as an important step to connect with the world. Today, when talking about student loans, many people repeatedly mention how to improve the credit system in the United States, but often ignore that the United States also has a developed personal information security system. The author believes that the disciplinary mechanism of dishonesty is necessary, but excessive use is harmful, especially the social punishment of publishing personal information, because it affects personal privacy and freedom, which makes people feel uneasy.

Dahe daily

Loan default is not only a matter of good faith.

Society often points the finger at the moral quality of college students who owe loans. As we all know, the high non-performing repayment rate of student loans may not be as simple as "honesty and dishonesty". Because the applicant is a poor student first, this determines his economic weakness.

From an economic point of view, "studying by loan and repaying the loan by work" is an ideal "investment model" to change this economic weakness. Facts have also proved that many poor students have changed their fate. However, the first prerequisite for the establishment of this "model" is that students should have jobs after graduation, and they are still good jobs. This job can not only ensure your own survival, but also have a balance, so you can talk about repaying the loan. This "beautiful expectation" is not only the reason why banks dare to lend, but also the reason why poor college students dare to sign loan agreements, and it is also the reason why many poor families spare no effort to train college students.

However, with the increasingly severe employment situation in recent years, the ideal of poor students changing their destiny through knowledge can no longer be realized as easily as it was a few years ago. And the "good expectation" based on honesty has gradually been broken. We have to admit that some college students who can't afford to repay their loans may not only be honest, but they really can't afford to repay their loans.

Red net

China Education News, 2nd edition, July 22nd, 2007.

In recent years, the topic of subsidizing poor college students has been the focus of social attention. Before and after college entrance examination, before and after school, before and after summer vacation, relevant reports often appear in newspapers and websites. This concern has undoubtedly promoted the efforts of * * and the school to solve problems, and also aroused students from all walks of life to donate money to help poor families. However, listening to the cadres and teachers in colleges and universities, the disadvantage is that they understand the situation in depth, study fewer problems and focus on the material level. Some reports are superficial and even not objective enough.

The problem of college students' difficulties due to family poverty has a long history. There are many poor college students among successful people from all walks of life, university leaders, experts and professors. Far from it, in the 1950s and 1960s, even ten years after the resumption of the college entrance examination, university life was completely maintained by grants. It is not uncommon for students not to go home for a year or two to save money. No one reported it at that time. At that time, the gap between the rich and the poor in society was not that big. There is no charge for going to college, and a scholarship of ten or twenty dollars can be at the bottom. Secondly, the tradition of China intellectuals' extravagant desires also played a role. Universities are proud of thrift and ashamed of luxury. Poor and healthy, studying hard is praised by people. It is not news that classmates, teachers and students help each other and help each other. Now the old seniors often laugh at the story that "the pot-bellied man" accepts food stamps from female classmates. At that time, no one in the university showed off the superiority of material life, and no one used the living expenses saved by their parents for several months to buy brand-name sports shoes or join in the spicy hot pot. Everyone knows that "college students should be better than the past and the present, but better than the future". There are few psychological problems caused by poverty.

Some people may say that we have bid farewell to the era of material scarcity and have no appeal to emphasize the necessity of living in poverty. Then the author asks, in developed countries with great material wealth, college students emphasize self-reliance regardless of family wealth, and do not rely on their parents to rely on themselves. Isn't this similar to the above point of view? These are all advanced value orientations, and this cultural atmosphere is conducive to the growth of young people (regardless of family wealth).

The author doesn't mean that we can relax our material help to poor college students. But I have to say, helping them is not the school's business. All walks of life are responsible at all levels. Comrade Zhang Baoqing, who left office not long ago, criticized the delay in implementing student loans in several provinces. Of course, colleges and universities should also do this work well. Grasping the truth is to fully mobilize and absorb resources from all sides and do a good job in reducing fees and granting loans to poor students; Doing a good job is not only to ensure the food and clothing of poor students, but also to pay attention to the all-round and healthy development of all students. Like China Agricultural University, as long as you pass the exam, I will create conditions to ensure the all-round development of students, so that students can have the same excellent competitiveness and development potential after leaving the school regardless of their family background. This is the great love of the university!

I also want to discuss with my colleagues in the communication field whether we can talk more about the university spirit when reporting the problems of poor college students, and carry forward the tradition of China intellectuals who are ambitious and studious, instead of just paying attention to material things. If we just dig up some extreme cases or create fake news that poverty leads to bad consequences to attract attention, it will bring all kinds of troubles to the growth of poor students. Isn't this a kind of poverty in the spiritual world?

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This is not only a loan of 35,000 yuan, it is not only a material help, but also a spiritual help for people.

In fact, there are many people who need help, such as primary school students who can't afford to go to school, disabled people who can't work, lonely old people and so on. But I don't have that much strength. Relatively speaking, helping poor college students can be compared to a short-term investment, with less investment and quick results. In a few years, they will be the advanced labor force and the backbone of the production population, with obvious income expectations.

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How to help poor college students in Yingkou With the increasingly severe employment situation, as a special group, the employment problem of poor college students has become increasingly prominent. Because of the particularity of poor college students in economy, psychology and family background, relatively speaking, poor college students are a difficult group among college students. Helping them find jobs as soon as possible is an inevitable requirement for maintaining social fairness, justice, harmony and stability.

In order to help college graduates from poor families achieve employment as soon as possible, * * * has issued relevant preferential policies. This kind of "care" is undoubtedly a solid arm extended by society to poor college students, which gives birth to their confidence and hope for life when they are alone. At the same time, the community recruits information employment services for poor college students, carries out activities such as sending jobs to poor college students, resolves the employment panic of poor college students, guides poor college students to apply for jobs rationally and actively, and provides real employment help for poor college students.

In order to grasp the family status of poor college students in the community faster and better, and help them in time, community workers walk the streets and investigate from house to house. This survey was welcomed by residents, and college students from poor families also benefited from it, which also built a bridge between community workers and residents and laid a foundation for better community work in the future.

I hope I can help you. Thank you. Let's go

How to donate money to poor college students? There are too many swindlers. The social phenomenon in China is very chaotic, and there are many unloving people everywhere. If you really want to donate money to poor college students, find a very poor area, ask the village secretary, find the families of poor college students, make a field trip, and then donate a little appropriately. I am also a caring person and want to donate money, but I am not rich. You may have a lot of money, and you don't need it to travel in the wild. In fact, there are such low-income households around our city. A lot.

What happened to those poor college students who were sponsored in those years? I'm fine.

If you have a job, you also pay taxes to the state. Volunteer when you have time, and donate some money through Alipay when you don't have time.