摘要
随着金融行业的发展,各种贷款平台也应运而生。其中,针对大学生的贷款平台更是种类繁多。这种贷款平台主要运用移动客户端进行操作借款,所以也叫校园网贷。随着校园网贷的发展,其中存在的风险和问题也越来越多。最为明显的就是最近被爆出"裸贷"的新闻,一时间校园网络贷款受到了很多人的关注。本文通过分析校园网络借贷形成的原因及其特点,主要针对校园网贷存在的风险做出了探讨。为了进一步预防校园网络贷款的各种风险,应加强监管,提高校园网贷的门槛,着重加强学生消费观念和金融有关的教育,并规范违约处理。
With the development of the financial industry, various loan platforms have emerged as the times require. Among them, the loan platform for college students is a wide variety. This lending platform mainly uses mobile clients to operate loans, so it is also called the campus network loan. With the development of campus network loan, there are more and more risks and problems. The most obvious is the recent burst of ＂naked loan＂ news, for a while, the campus network loans by many people ＇s attention. This paper mainly aims at the campus network loan existence risk to carry on the discussion, then has carried on the shallow analysis to the risk prevention mechanism.
关键词
校园
网络贷款
风险
制约机制
campus
network loan
risk
restriction mechanism
