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银行推“彩礼贷”,岂能变相助长“天价彩礼”陋俗? [复制链接]

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中国热点 发表于 2021-3-17 14:50:47 | 显示全部楼层 |阅读模式 打印 上一主题 下一主题 | 来自广东
“彩礼贷”广告之所以触犯众怒,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。

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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



精彩评论13

何必飞过海 发表于 2021-3-17 15:31:53 来自手机 | 显示全部楼层 | 来自北京
江西彩礼经过这么宣传更深入人心了
来自: iPhone客户端
Berektiz 发表于 2021-3-21 19:57:14 | 显示全部楼层 | 来自俄罗斯

Curtis, Irhabar, Milten and Flint Bermuda

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67c66a77df7dc 发表于 2021-3-17 15:48:36 来自手机 | 显示全部楼层 | 来自柬埔寨
是的
来自: Android客户端
67c66a77df7dc 发表于 2021-3-17 15:48:44 来自手机 | 显示全部楼层 | 来自柬埔寨
加油
来自: Android客户端
A建筑装饰材料 发表于 2021-3-17 16:08:58 来自手机 | 显示全部楼层 | 来自柬埔寨
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
来自: Android客户端
柬埔寨专业纹身 发表于 2021-3-17 17:36:31 来自手机 | 显示全部楼层 | 来自柬埔寨
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???
来自: Android客户端
简单幸福飝 发表于 2021-3-17 18:23:11 来自手机 | 显示全部楼层 | 来自柬埔寨
这样的银行银监会监管部门为什么不切查。
来自: Android客户端
0965799631 发表于 2021-3-17 18:58:09 来自手机 | 显示全部楼层 | 来自内蒙古
我想娶九江银行行长家闺女,我出10个亿
来自: Android客户端
海闊天空 发表于 2021-3-17 19:10:12 来自手机 | 显示全部楼层 | 来自柬埔寨
是要逼死誰
来自: Android客户端
kato 发表于 2021-3-18 06:23:16 来自手机 | 显示全部楼层 | 来自海南
银行亦难
来自: Android客户端
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