互联网金融背景下大学生分期购物平台风险研究

Risk of college students staging shopping platform by internet banking

大学生对提前消费的需求是分期购物平台兴起的重要因素。互联网金融背景下各大学生分期购物平台大量涌现,弥补了传统银行体系对大学生信贷的空白。为了促进分期购物平台的健康发展,采用定性与定量相结合的方法,分析了大学生分期购物交易市场存在的风险,并针对风险提出应从大学生、平台、政府和家庭入手采取可行性的解决措施。

The demand of college students＇ consumption ahead of time is the decisive factor of the rise of the shopping platform. Internet banking under the students staging shopping platforms in larger numbers, makes up the blank of the traditional banking system on college students＇ credit. In order to promote the healthy development of installment shopping platform, the article adopts the combination of qualitative and quantitative methods to analyze the existing risk of college students staging shopping market, and taking feasible measures according to the risk presented from college students, platform, the government and the family.