University Graduates Encounter Employment Traps

"Loans to participate in training, training can be highly paid employment."

Now seeing similar information, the 24 year old gentleman smiled bitterly. Last month, she just got rid of the trouble.

Originally wanted to find a "good job", but unexpectedly, not only did not work, but also because of the "training" loan, to regularly return 900 yuan per month.

"Broken heart, no longer believe."

Said Jun.

In July 2015, Jun attended a large job fair at the Zhengzhou Convention and Exhibition Center. Seeing that Zhengzhou UFIDA cloud Management Consulting Co., Ltd. (hereinafter referred to as "Zhengzhou UFIDA") was recruiting accountants, she submitted her resume.

Jun Jun said that the annual salary of the company's leaflets is very attractive: the average annual salary in 3 years is 50 thousand to 100 thousand yuan, and the average annual salary from 3 to 5 years is 100 thousand to 200 thousand yuan, enjoying the national insurance benefits.

After the first and second exams, Jun Jun, an accountant major, successfully entered Zhengzhou UFIDA.

However, Zhengzhou UFIDA did not sign a labor contract with Xiao Jun immediately. The staff told Xiao Jun that she needed 3 months' training because she had no work experience.

After the end of the training, instead of working in the enterprise, it is recommended to work in the client business, which is a large enterprise, which is guaranteed to be an accounting post. The monthly salary of the first tier cities can reach more than 4500 yuan, and the work in Zhengzhou can reach more than 3500 yuan.

But the condition is to pay 12765 yuan.

"

This is not a small sum for a newly graduated university student.

At this time, Zhengzhou UFIDA put forward an economic "solution" for them -- loans.

The staff said that considering that she had just graduated and had no income, the loan in the first 4 months was returned by UFIDA in Zhengzhou, and I would repay it regularly every month.

"It doesn't matter if you can get a high salary in the future, even if you pay a little money every month."

Considering that the monthly salary can reach more than 3500 yuan after the completion of training, Xiao Jun finally hesitated.

Subsequently, she signed an accounting training and employment agreement with Zhengzhou UFIDA, and signed a loan agreement with the credit company introduced by the company, with a total loan of 12765 yuan.

Jun said, at that time, seven or eight people in her accounting class had borrowed money.

But not long after, they regretted it.

After signing the loan, money never entered their accounts, and the company was suspicious.

But when they left school, they found it difficult to find a professional counterpart, so they gradually lowered their guard.

After the loan formalities have been completed, they are conducting "training" one after another.

More than two months later, Zhengzhou UFIDA began to recommend enterprises for them to participate in the interview.

The first company interviewed by Xiao Jun was a well-known company. The other party said that the salary of the probationary period was 1800 yuan, which was 2300 yuan after the correction, which was quite different from that of the former UFIDA in Zhengzhou.

"If there is no loan, I can accept it, but I have to pay 900 yuan a month for the loan, and the rest of the money can not live at all."

Let Xiao Jun can not accept that, when she arrived at the enterprise, she was not appointed as an accountant, but a guide.

In a few days, Jun resigned.

Later, Xiao Jun called Zhengzhou UFIDA and asked for another recommendation.

The second time, the company introduced a work of assistant to the financial manager for Xiao Jun. The probation period was 2500 yuan per month and 3000 yuan after the correction. However, after the interview, the company did not accept her.

The third time, Zhengzhou UFIDA recommended Jun to be an accountant in a glass factory in Kaifeng, but Jun said that the other side refused to hire her on the grounds that she had no experience.

The work has not settled down, but Jun has been on loan since December 2015.

"The first 5 months, a month is more than 200 yuan, then a month to return 900 yuan, no work and no income, but also have to open a mouth to find home to pay the loan."

Xiao Jun said wronged.

The loan agreement is cat and dog.

The loan agreement provided by Xiao Jun shows that the annual interest rate is 7.68%, the loan is divided into two stages, the first stage is 9 months, the second stage is 15 months, the first 9 months are monthly repayments 210.62 yuan, and the latter 15 months are repaid 855.25 yuan a month.

Jun said that the loan did not enter their personal accounts, but directly entered an account called Zhengzhou Zhong Tang Software Technology Co., Ltd.

"The credit company directly went over and signed a pile of materials, so we didn't have time to look at the terms carefully."

Jun said that not only did she not see the money, but when she repaid, she found that she needed more money.

Jun Jun's repayment schedule shows that the repayment period is 24 months, from July 2015 to July 2017, and 255.3 yuan in the first 9 months, and 899.93 yuan a month in the latter 15 months.

In this way, a total of 15796.65 yuan will be required in 24 months, with an annual interest rate of more than 23.7%.

After careful reading of the terms, Xiao Jun found that in addition to paying the principal and interest, she also had to pay a consulting fee of 428.88 yuan and a service charge of 643.44 yuan to the credit company, and the two payments were also paid in 24 months.

Two classmates who participated in training with Xiao Jun also had similar experiences.

Reporters through the national enterprise credit information publicity system query found that Zhengzhou UFIDA registered business scope, there is no training project.

What is the relationship between Zhengzhou's middle Tang Software Technology Co., Ltd. and the UFIDA in Zhengzhou? The company publicizes on the Internet that "Zhengzhou Mid Tang Software Technology Co., Ltd. is the only authorized and cooperative organization in the Henan area of UFIDA education, which is mainly aimed at providing high-end talents training services to Henan University students, so that everyone can take the gold collar career as soon as possible and realize their dreams at an early date."

In this regard, a staff member of Weiyou, UF, Zhengzhou, said that the reason for letting students take the form of loans is also due to the fact that students just graduated and their financial ability was poor.

The money borrowed from Jun and other trainees has been pferred from credit company to UFIDA in Zhengzhou. Now the students regularly return the money to credit companies every month.

As for the high salary of commitment, why can't it reach? Zhengzhou UF staff explained: "this is the level of previous years, it is inevitable that there is an accident."

Asked why not only a small gentleman is faced with such a situation, and the agreement clearly mentioned that "the average annual salary of 50 thousand to 80 thousand yuan in the 3 years after the second tier cities turn right," the staff said, "Zhengzhou is a three tier city, and advertising will be exaggerated."

In desperation, Jun asked the media for help and complained to the industry and Commerce Department.

Soon, Jun received a phone call from Zhengzhou UFV staff, and the other Party promised to compensate Mr. Jun for 15 thousand yuan. The condition was to let Xiao Jun say that he was 3000 yuan a month, and could not be interviewed by the media again.

"I want to make my college graduates less educated through my experience, which is too bad.

But because of this, I have been making a lot of trouble at home. I just want to solve it as soon as possible and get out of my troubles. "

Finally, after discussing with the family, Xiao Jun accepted the other's terms.

Like Xiao Jun, Xiao Wang, a graduate from a secondary school in Luoyang, also feels "deceived".

In July 2013, after Wang graduated, Bo Chuang Huayu (Beijing) technology limited company sent olive branches to Xiao Wang, on the condition that Xiao Wang needed to take part in their pre job training.

Xiao Wang recalls: "at that time, they said that after 3 months of training, they would work for the arrangement work, and after the arrangement work, they would repay the loan with their wages."

After more than ten thousand yuan of training fees, more than two years later, Xiao Wang has not been promised to work. He also faces enormous repayment pressure. When Xiao Wang repeatedly asked for a phone call, the staff had been blocking him for various reasons.

According to the reporter's investigation, this Bo Chuang Hua Yu (Beijing) Technology Co., Ltd. Luoyang branch has no training qualification.

In recent years, due to the increasing number of college graduates and the saturation of some market demand, many enterprises have used the characteristics of university graduates' job search and lack of understanding of the reality complexity, tempting students with high salaries, allowing students to accept pre job training, and the "training fee" is borrowing through credit companies.

According to the description of many students interviewed, the reporter combed the employment trap of "job seeking loan".

The so-called "job seeking loan" is to train enterprises to cooperate with credit institutions. Graduates will loan to credit institutions in their personal name as "training fees", and "training fees" will be directly entered into corporate accounts. Graduates can receive training without money.

Credit institutions call the "training fees" to enterprises. This process is actually a loan process. Credit institutions have marked interest, but there are still high "consulting fees" and "service fees" in the loan process, which are borne by graduates.

Once the graduates receive "training", the credit institutions have paid the money, and the graduates are unemployed.

After the "training" is completed, enterprises will recommend to some companies, but if the work is not ideal, the graduates will have low wages, not only bear the cost of living, but also bear enormous repayment pressure.

A graduate who interviewed said: "on the surface is to recommend work to us, in fact is through recruitment website to give us resume, or even our resume to make a mess, and then throw out, then the interview asked when we asked those things on our resume, we also asked three questions."