高校校园不良网络借贷风险防范和教育引导对策研究——基于天津科技大学的调研

Risk Prevention and Educational Guidance of College Campus Bad Network Loans

近年来,校园不良网络借贷引发的恶性事件频发,严重危害了学生健康、家庭幸福、学校秩序和社会安定。本文对我校学生和相关部门进行问卷调查和访谈,总结出大学生在日常消费以及对校园贷的认知和使用情况方面存在"三高三低"的特点。分别从政府、学校、家庭及学生个人的角度提出了解决方案,形成了校园贷风险防范和教育引导的对策体系。

In recent years, campns network leading has caused many harmful events, and have seriously hampered the students＇ health, family happiness, school order and social stability. This paper, based on a questionnaire survey and interviews with students and relevant departments of Tianjin University of Science and Technology, points out that college students have the characteristics of ＂three highs and three lows＂ in their daily consumption and their cognition and use of campus loans. On this basis, some solutions are put forward which involves the joint efforts of the government, schools, families and individual students as well, so as to build up a system to prevent and control the risk.