At the fair site a training agency to launch the graduate employment training project. China Visual information
China Youth daily news on April 20, "loan to attend the training, the training for high paying jobs. "Now and then to see similar information, 24 June with a wry smile, last month, she had just emerged from the" trouble ".
Wanted to find a "good job", but was not only BA, but also due to their participation in "training" a loan, deposit or 900 Yuan per month. "The broken heart, never." June said.
For highly paid, owing a million loan
July 2015, June to Zhengzhou Exhibition Center went to a large job fair, see UF cloud management consulting company (hereinafter "Zhengzhou UF") included a job fair, she will resume. June said, the company promised annual salary on a single page is very attractive: the average annual salary of $ 50,000 ~10 million within 3 years, 3 to 5 years with an average annual salary of $ 100,000 ~20 million, covered by national insurance benefits.
After the first try, re-testing, graduated from Zhengzhou UF June entry into the accounting profession. However, the Zhengzhou UF did not immediately enter into labor contracts with June, staff told June, because she has no work experience, training needs for 3 months. After the training, not the work, but recommended to the customer's business, are large enterprises to ensure accounting gang, a city's monthly salary could reach more than 4500 Yuan in Zhengzhou can reach more than 3500. But only pay 12765 "training fees".
For graduate students, it is not a small number, Lisa hesitated. At that time, Zhengzhou UF they present an economic "solutions"-loans.
Staff said, considering that she just graduated, and has no income, loans from UF in Zhengzhou 4 months before, then under my regular monthly repayment.
"Get high salaries in the future, even if some money each month doesn't matter. "Taking into account the practice after the expiry of a monthly salary of more than 3500, June hesitation finally agreed. Subsequently, the employment agreement she signed accounting training with the UF in Zhengzhou, and relates to the company's credit signed a loan agreement, a total loan of 12765.
June said, when her accounting class has seven or eight of us a loan. But before long, they regret it. Signature loans, money never entered into the account, the company is also very suspicious. But just out of school, they think we've found a field of job is not easy, so slowly lowered his guard. After the loan formalities, they continue "training". Two months later, UF began to recommend enterprises in Zhengzhou, for an interview.
June interview first business is a well-known company, said that he, the probation period wages 1800, 2300 Yuan after the positive, and Zhengzhou before UF commitment varies widely. "Without loans, I can accept, but loans to 900 Yuan a month, the rest of the money can't. "June even more unacceptable is that enterprises, she arranged jobs not accounting, but the table. A few days later, June resigned.
Subsequently, the June call Zhengzhou UF, asking for another job. Second, the company June introduced a financial Manager Assistant job, probationary period 2500 Yuan per month, after get 3000 Yuan, but after the interview, company does not admit. Third, Kaifeng, Zhengzhou UF featured June to a glass factory to do accounting, but June said, they refused to hire her for her lack of experience.
Never settle down, June began in December 2015, embarked on the payment day. "The first 5 months, more than 200 Yuan a month, then to 900 Yuan a month, no work, no income, and tried to find the home you want to loan money. "June wronged said.
Loan agreement with cat sick
According to loan agreement from June, loan interest rate 7.68%, loan repayment in two stages, the first 9 months, second stage 15 months monthly payment 210.62 for the first 9 months, 15 months after the monthly payment 855.25. Xian subway sunflower seeds video is played out
June said, this loan does not tap into their personal accounts, but directly into a company called Tang in Zhengzhou software technology limited account. "Credit company directly in the past, I signed up for a bunch of material, we had time to take a closer look at terms. "June said not only did not see money, to borrowers at, she discovered that need more money.
June's repayment schedule shows the payments for a period of 24 months, between July 2015 and July 2017, 9 months before 255.3 Yuan a month, 15 months after the month of 899.93 Yuan, which she needs to take 20 months after payment. Such calculations, 24 months of total repayment 15796.65 Yuan, annual interest rates of more than 23.7%.
Carefully read the terms, June found that, apart from the need to repay the principal and interest, she had to pay to the credit company 428.88 consulting fee and service fee of 643.44 Yuan, and paid this sum of money to a 24-month period.
And June training with two classmates have similar experiences.
Reporter inquiry found through the national credit information publicity system, Zhengzhou UF in the registered scope of business, and no training program.
Then June borrowing directly into the Tang in software technology company, Zhengzhou city, with UF and what does it matter? Publicity on the company network, "said Tang software technology limited was the UF education in Zhengzhou in Henan province only authorization and cooperation agencies, mainly for college students in Henan with high-end training services for members as soon as possible onto Golden collars career and realize their dreams. "
In this regard, the Zhengzhou UF said a staff member surnamed Wei, allow students to take the form of loans, is also a student fresh out of College, financially worse off. June and other student loan money has been transferred by credit companies UF in Zhengzhou, students now regularly each month money was to the credit of the company.
Commitment to pay why can't reach? Zhengzhou UF staff member explained: "this is the level of previous years, to avoid accidents. "Asked why June more than one person in this situation, and is explicitly referred to in the agreement" within 3 years of second-tier cities to positive average annual salary of $ 50,000 ~8 million ", the staff said," is a third-tier city of Zhengzhou, corporate advertising will more or less exaggerated. "
June in desperation, to the media for help, and to complain to the business sector. Soon, June received a call from Zhengzhou UF staff, the other promised June 15,000 yuan in compensation, provided that the June Foreign said his base salary of 3000 Yuan a month, no longer accepting media interviews.
"Through my experience, less for new graduate students when it taste too bad. But because this thing has got home panic, I just wanted to try to resolve, took off from the troubles come from. "In the end, after June to discuss with family, accept each other's conditions.
"Employment credits" behind the employment traps
Similar to the June, Wang graduated from a College in Luoyang he felt "cheated".
In July 2013, after King graduated, Borch ARIMA (Beijing) technology co Wang to the olive branch on condition that Wang needed to join their pre-service training. Wang said: "then they said, after 3 months of training to the Organization of work posts, such arrangements work, wages to repay the loan. "
More than 10,000 yuan in loans made after training, two years, Wang has yet to be pledged, also faced a great repayment pressure, when Wang repeatedly called interrogatories, staff had to put him on various grounds. According to investigative journalism, this added ARIMA (Beijing) technology co Luoyang branch and no training qualifications.
In recent years, factors such as the increased market demand of college graduates, many enterprises take advantage of university graduates, job-seekers, lack of knowledge of real complexity features, paid high salaries to lure students, allow students to receive "pre-service training", and "training fees" are corporate borrowing on credit.
According to the description of the number of students interviewed, reporters combed "employment credits" employment traps. The so-called "employment credits" was to develop the co-operation between enterprises and credit institutions, by graduates personally, and loans to credit institutions as "training," "training fees" directly into the business account, graduates are able to accept without paying "training".
Credit institutions will be "training" enterprises, the process is actually a loan process, credit agencies have indicated interest, but there is also high in "consulting fees" "services" and so on, which are borne by the graduates.
Once the graduates of "training", credit institutions, graduate unemployment, already saddled with loans. "Training" finish, enterprises will recommend to some companies, but if the work is not satisfactory, graduates take low wage, not only bear the cost of living, saddled with huge repayment pressure.
One of the graduates surveyed said: "on the surface it is recommended to us, is actually through the recruitment Web site for our resumes, even then we resume hype invested, and interview people ask us those things on your resume, we they see. "
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