分析校园贷行业现状并预测其发展趋势

Status and Development Trend of Campus Loan Industry

本文主要对校园贷行业现状进行定量的分析,并在此基础上建立灰色预测模型,分析其未来的发展趋势。针对校园贷现状,选取在校大学生人数、学生对校园贷的态度、校园贷服务平台数量、问题平台数量以及行业成交额等指标,结合实际,定量的分析其发展现状。得到总体向好的方向发展,但是行业规范不健全,而且竞争激烈,问题平台仍然存在。针对校园贷未来发展趋势,选取行业成交额和企业净收入额两个因素为指标,建立灰色预测模型,得到行业成交额与净收入额发展趋势图。得到未来几年校园贷行业成交额与净收入额还会以较快的速度增长。

This paper mainly analyzes the status quo of the campus loan industry and establishes a grey forecasting model based on this, and analyzes its future development trend. In view of the current situation of campus loans, the number of college students, the attitude of students to campus loans, the number of campus loan service platforms, the number of problem platforms, and the turnover of the industry were selected, and the actual development status was quantitatively analyzed. It has been developing in an overall direction, but industry standards are not perfect, and competition is fierce. The problem platform still exists. In view of the future development trend of the campus loan, two factors, namely the turnover of the industry and the net income of the company, are used as indicators, and a grey forecasting model is established to obtain the trends of the development of the industry turnover and net income. In the coming years, the turnover and net income of the campus loan industry will also grow at a faster rate.