校园网贷的风险及应对

Risks and Countermeasures for Campus Net Loan

校园网贷是"互联网+"金融领域的新生事物,它的迅速发展,适应了青年大学生超前消费、网络购物、追求时尚的需要。现阶段,由于校园网贷的发展速度过快,相关主管部门的监管力度还跟不上,不可避免地导致了部分学生因为高额的欠款而影响学业,甚至出现极端安全事故。正常教学秩序的维护,不仅需要国家出台配套的法律规范网贷行为,还需要学校和家庭主动关心大学生,培养他们理性开支、量力而行的消费观念。

Campus net loan is a new thing in the field of Internet banking and its rapid development adapts to the young college students consumption in advance,online shopping,and the pursuit of fashion. At this stage,due to the rapid pace of development of the campus net loan,relevant departments in charge of supervision also can not keep up with the pace,inevitably affect some students＇ study because of the high debt,and the extreme safety accidents are occurred. In order to maintain the normal teaching continuously,Chinese Government should make the relative laws and regulations to regulate the net loan behavior,schools and families should actively take the initiative to care for students and to train their rational consumption according to their abilities.