大学生“不良校园网络借贷”现象调查与思考

An Investigation on University Students' “Nonperforming Campus Internet Loans” and Related Considerations

本文通过对高校学生进行"校园网络借贷"的问卷调查,更加准确地掌握了大学校园内大学生普遍存在消费观超前、借贷风险意识薄弱及网络借贷平台无序扩张、校园网络借贷监管真空等问题。由此提出,高校要加大学生消费观教育力度,加大金融、网络安全知识普及力度,加强校园网络借贷监管,加大学生资助信贷体系建设力度,做好应急预警处置工作。

A series of issues were listed on campus internet loans in the paper such as university students radical consumption, low risk awareness of loan, disorderly expansion of internet loan platforms and absence of supervision over the loaning business, etc. through a relevant survey in a few universities. This indicates that a university should reinforce the education on students′ ways of spending, the popularization of financial and internet safety knowledge, the supervision over campus internet loans and the construction of financial supporting system as well as early warning and emergency treatment.