大学生不良网络借贷风险防范研究

Research on Risk Prevention of Network Loaning on Campus

网络借贷业务深入大学校园为高校大学生提供了新的资金筹集渠道,但由于监管的缺失、各网络借贷平台的虚假性宣传、大学生理财及信用意识的缺失,导致各种不良网络借贷问题的发生。文章分析了产生大学生不良网络借贷的原因,揭示了不良网络借贷的严重危害性,从高校学生管理工作的角度出发,提出了防范大学生不良网络借贷风险的举措。

Network loaning business has taken its root in universities, offering students new fund-raising channel. However, due to the lack of supervision, the misleading propaganda of network loaning platforms, and the university students＇ unawareness of financial management and credit, various unhealthy network loaning problems frequently occur, some of which even result in tragedies. This paper analyzed the causes of unhealthy network loaning and revealed its serious harmfulness based on the current situation. Furthermore, the author proposed measures for better risk prevention from the perspective of student administration combining with some working experience.