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▲3月16日，一张九江银行“彩礼贷”产品推广图在网络流传引发关注，上写有“彩礼开销不用愁”、“‘贷’来稳稳的幸福”等宣传语，申请条件中还注明，情侣一方需为行政事业单位正式员工。
3月16日，一张关于九江银行“彩礼贷”的宣传图在网络上传开。图中内容称，贷款额度最高达30万元，最长可贷1年，年利率低至4.9%，贷款可以用来新婚旅行、购车、购买首饰、家电等。申请条件为22周岁以上，连续工作时间不少于12个月，及情侣一方需为行政事业单位正式员工。
借用网络热梗，这款“彩礼贷”产品，可谓“伤害性很大，侮辱性极强”。
彩礼陋习，让很多家庭苦不堪言，一些人不得不借钱筹集彩礼钱。涉事银行如果真的推出这款产品，可谓精准抓住了“用户痛点”。
但是，天价彩礼一直以来都饱受诟病，一家银行高调推出“彩礼贷”，岂不是迎合甚至助长了天价彩礼的陋俗？
什么叫“彩礼开销不用愁”“贷来稳稳的幸福”？婚前贷款送彩礼，婚后节衣缩食还贷款，这究竟是贷来幸福人生，还是一段不幸婚姻的开始？
不过，这边是“彩礼贷”海报被网友花式吐槽，另一边却是涉事银行的态度暧昧。
先是该行客户经理对媒体表示，“彩礼贷”实际上就是“零花钱”。扫描海报二维码，显示的也是九江银行“手机快活贷—零花钱”页面。网页上只有最高30万、秒速审批、零资料、纯信用、全线上等字样，毫无“彩礼贷”的痕迹。再是媒体致电银行，客服表示产品未上线，只是产品部门的宣传物料，将来也不会上线。
海报上明晃晃打着银行LOGO，明明确确标注着“彩礼贷”，扫描二维码进入的也是九江银行业务办理页面，现在涉事银行却以“未上线”“宣传物料”为由对此予以否认，恐怕很难证明自身清白。
其实，结合海报产品介绍来看，所谓“彩礼贷”，本质上就是一款消费贷产品。
顾名思义，消费贷就是用于满足个人消费的。常见的个人消费贷款用途有很多，诸如装修、旅游、教育培训、出国留学、购买耐用消费品（如汽车、家电、数码产品、珠宝玉石等）。从支出方向来看，与新婚夫妇的消费需求高度重合。恐怕，这也正是海报设计者的“灵感来源”。
“彩礼贷”之所以触犯众怒，或许不在产品的金融合规性上，问题出在整个广告传递出腐朽、落后的价值观，让人无法接受。
高额彩礼、婚嫁攀比，天下苦之久矣，更是很多农村家庭不可承受之重。有些家庭为了娶上媳妇，不惜通过民间借款或银行贷款来支付婚姻成本。
青年男女建立新家庭，在力所能及的范围内进行消费，不影响家庭长远发展，无可厚非。
可一旦过度透支、攀比奢侈，背上沉重负担的不仅是小两口，更是原生家庭的贫困累积。一不留神，很可能良缘变孽缘。
刚刚过去的全国两会，政协委员张改平建议遏制农村天价彩礼陋习，推进农村移风易俗。
往前追溯，早在2019年中央一号文件就有公布——“对婚丧陋习、天价彩礼、孝道式微、老无所养等不良社会风气进行治理”；2021年中央一号文件也提出，持续推进农村移风易俗，推广积分制、道德评议会、红白理事会等做法，加大高价彩礼等不良风气治理。
天价彩礼，这块婚姻道路上的绊脚石，早该砸碎了。居然还有“银行广告”明目张胆为其站台，变相宣传攀比从众的婚嫁风，也难怪其搬起石头砸了自己的脚。
来源：新京报
作者: 何必飞过海 时间: 2021-3-17 15:31
江西彩礼经过这么宣传更深入人心了
作者: 67c66a77df7dc 时间: 2021-3-17 15:48
是的作者: 67c66a77df7dc 时间: 2021-3-17 15:48
加油
作者: A建筑装饰材料 时间: 2021-3-17 16:08
利息这么低，贷下来可以做其他用途啊，难道只能做彩礼用吗
作者: 柬埔寨专业纹身 时间: 2021-3-17 17:36
A建筑装饰材料 发表于 2021-3-17 16:08
利息这么低，贷下来可以做其他用途啊，难道只能做彩礼用吗
你以为银行这么傻，人家要你出示最近近期的民政局结婚证，还要看你家庭情况还有其他抵押才能让你贷款。是人就想贷款而且这么低利息的拿去做其他生意？？？
作者: 简单幸福飝 时间: 2021-3-17 18:23
这样的银行银监会监管部门为什么不切查。
作者: 0965799631 时间: 2021-3-17 18:58
我想娶九江银行行长家闺女，我出10个亿
作者: 海闊天空 时间: 2021-3-17 19:10
是要逼死誰
作者: yumao586 时间: 2021-3-18 02:04
提示: 作者被禁止或删除 内容自动屏蔽
作者: kato 时间: 2021-3-18 06:23
银行亦难
作者: 何必飞过海 时间: 2021-3-18 22:52
一结婚进去就背一屁股债要陪着还
作者: 天涯游子 时间: 2021-3-19 19:35
这又是一不很商家.见利忘义的财团，望有关纪检严历制!前面有了啃老族.又想造超前消费的一代，这是掘中国墙脚的祸禽兽，，，，，
作者: RunakDaloEvota 时间: 2021-3-21 19:02
标题: Ford, Rune, Kulak and Kapotth American samoa
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作者: Berektiz 时间: 2021-3-21 19:57
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