商业银行介入大学生网贷业务的探究

Research on commercial banks intervening in college students' online loan business

针对大学生网贷问题,通过文献资料法与问卷调查法取得的数据为依据,阐述了当前大学生网络信贷的供给及需求现状,并以此论证了商业银行介入大学生网贷业务的现实意义。利用实证分析法论述了商业银行介入大学生网贷的优势和劣势,以及具体实现方式。提出了商业银行如何利用风险调整资本收益(RAROC)模型确定大学生网络信贷的利率水平。

Aiming at the problem of college students＇ online loan, the supply and demand of College Students＇ online credit are expounded on the basis of the data obtained by literature and questionnaire, which demonstrates the practical significance of commercial banks＇ intervention in college students＇ online loan business. By using empirical analysis method, the advantages and disadvantages of commercial banks＇ involvement in college students＇ online lending and the concrete ways to realize it are discussed. It is put forward for commercial banks how to use RAROC model to determine the interest rate level of College Students＇ online credit.