新时期“校园贷”的种类特点分析及风险防范研究

Research of the Characteristics of the Types of "Campus Loan" and the Risk Prevention in the New Era

在"校园贷"市场的新时期,在其种类和特点已经产生了新变化的重要节点,辅导员在防范和应对"校园贷"问题上也要有新手段。充分结合辅导员"教育、引导、管理、服务"四大主要职能,引导大学生树立正确的消费观念,对大学生进行财商教育,积极创新严控"校园贷"的管理制度,精准做好经济困难大学生的资助服务,打好新时期防范"校园贷"的攻坚仗。

In the new period of the"campus loan"market, important nodes that have produced new changes in its types and characteristics have also brought new requirements and new means for the counselors to prevent and respond to the"campus loan"problem. Combination of counselors’ four main functions-education, guide, management and service, it’s very important to guide students to set up the correct consumption idea, teach them FQ, innovate positively‘campus loan’management institution, and support accurately economic difficulties of college students, in order to control and prevent the risk of‘campus loan’effectively.