青年在网贷中的主体地位——网贷用户调查报告

The Dominant Role of Young People in Network Credit——A Survey Report on Network Credit Users

近年来,网贷引起了人们的高度关注。尽管网贷目前存在着一些问题,但是我们依然可以从其飞速发展中看到其光明的未来。调查显示,网贷用户以80后青年为主,他们利用网贷平台投资理财获取收益,或者通过网贷平台融资借款,解决资金周转、投资创业或者大额消费等资金需求。起步中的网贷有着不可避免的风险,但是,大部分网贷用户是青年,我们不能对此视而不见,共青团创建"青年贷",将有效化解网贷中的风险,最大限度地为创业青年提供资金支持,从而有效地联系和凝聚起网贷中的广大青年。

In recent years, the Network Credit online has attracted people＇s close attention. At present, although there are some problems existing in P2P （ Peer to Peer ） Network Credit, its bright future can still be seen from its rapid development. According to a survey, its users are mainly the young people born in 1980s： they invest and finance to earn profits through such platforms on the Internet, or get a finaneal loan in this way to meet their fund needs, such as capital turnover, investment venture or a large amount of consumption, etc. In its early stage, it has inevitable risks; however, it cannot be ignored that most web users are young. ＂Youth Loan＂ founded by the Communist Youth League will effectively minimize the risks in it and maximize financial support for entrepreneurial youth so as to effectively contact and gather the related young people in this program.