互联网金融背景下大学生“校园贷”的调查与思考——以四川高等医学院校为例

Investigation and Reflection on College Students' Campus Loan under the Background of Internet Finance-Taking Sichuan Higher Medical College as An Example

近年来,提供分期购物和现金消费等服务的互联网金融服务平台在大学校园呈井喷式增长,各类借贷广告在校园中如雨后春笋般涌现。"校园贷"迎合了大学生群体的心理需求,同时也产生了严重的负面影响,日益成为校园及各大社会舆论的焦点话题。为深入解高等医学院校大学生群体对"校园贷"的认识,及时掌握他们的消费观念。本文在对四川高等医学院校大学生进行调查、研究的基础上进一步分析、总结出"校园贷"在高校中的运行状况和存在问题,并在此基础上提出问题解决方案。

In recent years, Internet financial services platform, which provides services such as installment shopping and cash consumption, has grown well in college campuses and all kinds of loan advertisements sprang up in the campus. 'Campus loan' caters to the psychological needs of college students, but also has a serious negative impact.And it has increasingly become the focus of public opinion on campus and every major topic of public opinion.In order to understand the college students’ understanding of 'campus loan' and grasp their consumption concept in time.Based on the investigation and research of medical college students in Sichuan province, this paper sums up the running status and existing problems of 'campus loan' in colleges and universities, and puts forward countermeasures to solve the problems.