校园贷成因分析——基于大学生风险意识认知研究

Analysis on the Causes of Campus Loan——Research on the cognition of college students' awareness of risk

近几年,关于大学生因无力偿还债款最终导致退学、造成家庭破产甚至结束自己生命的新闻时有发生,引发了公众的关注和思考。本着推动校园贷良性发展和增强大学生风险意识的目标,本文结合了校园贷发展现状及相关政策背景,分析指出校园贷存在的主要问题,重点分析了大学生使用校园贷暴露的问题,并针对增强大学生风险意识提出建议以及思考。

In recent years, there have been frequent occurrences of news that college students have been unable to repay their debts, leading to dropouts, bankruptcies or even ending their lives. This has aroused public concern and reflection. In line with the goal of promoting the healthy development of campus lending and enhancing the awareness of risk among college students,this paper combines the current status of campus lending development and related policy backgrounds. It analyzes the main problems of campus lending, and focuses on the analysis of college students＇ exposure to campus lending, and College students＇ risk awareness and suggestions.