从校园贷看大学生网贷的问题及对策

The Problem and Countermeasure of Network Loan of College Students Based on Campus Loan

在目前以手机为核心的自媒体和移动支付大发展的情况下,＂裸条＂作为校园贷的极端表现方式,揭示了当前大学生网贷的诸多问题。大学生没有经济基础,也缺乏对于网贷的正确认知,但在自媒体环境下,很多大学生出于盲目的创业冲动,以及因为攀比和虚荣而产生的非理性消费需求,贸然地去申请网贷,使自己陷入无底的经济陷阱。法律体系和金融监管的缺位,尤其是金融消费者权益保护机制的疏漏,更导致大学生网贷问题的加剧。只有引导大学生树立正确的创业和消费观念,加强相关立法和金融监管,完善金融消费者权益保护机制,才能有效减少大学生网贷的负面效应。

In the case of the rapid development of We-Media and mobile payment with phone as the core,the＂naked IOU＂,as an extreme form of campus loan,reveals a lot of problems of network loan among college students nowadays. With no economic foundations and right perceptive of network loan,driven by blind impulse of starting businesses and irrational consumption demands out of comparison and vanity,many college students apply for network loan rashly and get themselves into a bottomless economic trap under We-Media environment. The absence of legal system and financial regulation,especially the omission of the protection mechanism for financial consumers＇ rights and interests,have led to the increasing problems of network loan of college students. The only way to effectively reduce the negative effect of network loan is to guide college students to establish correct concept of entrepreneurship and consumption,strengthen relevant legislation and financial regulation and improve the protection mechanism for financial consumers＇ rights and interests.