大学生校园贷存在的问题及干预

Problems Posed by Campus Loans

校园贷款已经成为部分大学生生活的一部分,但是大学生自制能力差,通过网络贷款平台贷款满足消费,由于不能按时还款造成违约,学生家长无辜的成了高利贷还款人,学生周围的同学朋友也受到连累。很多贷款平台采取虚假宣传的形式和降低贷款条件、隐瞒实际收费标准等,诱导学生过度消费,需要找到解决问题的有效途径。

Campus loans have become a part of college life. The problem is college students who lack self discipline find it easy to get campus loans for their consumption needs but difficult to repay in a timely manner, in which case, parents innocently become the victims of the loan sharks and some- times classmates and friends get implicated too. Many loan platforms are guilty of crooked promotion; they deliberately lower the threshold and conceal the real charging standard to lure college students in- to the trap of excessive consumption. Effective measures must be taken to change the situation.