大学校园网贷:风险分析与规避

On College Students' Online Loans: Risk Analysis and Avoidance

出借人追求不法高利,催债方式极端化;借款人消费不理性,缺乏风险意识是造成当前大学校园不良网贷的主要原因。大学生应从自身出发,学习金融法律知识,认清不良网贷公司的真实面目;养成理性的消费习惯和理财观念;在创业筹资时慎选网贷;增强防范意识,保护个人信息安全;面对网贷危机,积极寻求合理解决办法,以规避网贷风险。

There are some primary reasons of undesirable univer-sity campus online loans lenders pursue illegally high interestand their ways of dunning are extreme; student borrowers＇ con-sumption is irrational and they lack the awareness of risk preven-tion. College students should take measures according to theirown situation in order to avoid the risk of online loans. The mea-sures are as follows： learning knowledge of finance and law, so asto recognize the true face of online loans; developinga rationalhabit of consumption and financial concept; carefully selectingonline loans in business financing; enhancing the awareness ofprevention and protecting personal information; seekinga rea-sonable solution actively to deal with the crisis of online loans.