互联网金融背景下大学校园网络借贷现象探析

Analysis on the Phenomenon of Campus Network Lending under the Background of Internet Finance

随着互联网技术的应用与发展,传统的金融模式正在发生改变,网络借贷业务在大学校园悄悄兴起,在迎合部分大学生的消费需求的同时,也导致了一些大学生超前消费。大学校园网络借贷业务存在诸多的问题和隐患,给高校的管理工作带来了巨大的挑战。从校园借贷现象入手,探究大学校园网络借贷业务产生的原因,并提出相关建议。

With the application and development of Internet technology, the traditional financial pattern is undergoing changes. Network lending business quietly grows up in campus, leading to some college students＇ excessive consumption while catering to their consumption demands. There are many problems and hidden dangers existing in the campus network lending business, which brings great challenges to the management in colleges and universities. This paper, starting from the phenomenon of campus network lending, probes into the causes of online lending business in campus and puts forward some suggestions.