消除高校大学生校园贷危害的防御机制研究

Research of the Defense Mechanism on Eliminating the Harm of College Students' Campus Loans

随着互联网行业的蓬勃发展,为了满足社会群体的不同需求,市场上涌现出了针对不同消费群体的创新贷款模式。对于大学生这个群体而言,越来越多的校园贷款也出现在大学生校园,由于门槛低、费率不明确、学生判断不到位,将会给大学生的教育和发展带来恶劣的影响。该文旨在分析校园贷款的危害,探讨出多方共同努力的消除学生贷款危害的防御机制。

With the vigorous development of the Internet,in order to meet the different needs of social groups,the market has emerged an innovative loan model for different consumer groups.For the group of college students,more and more campus loans also appear in college students’campus.Due to the low threshold,unclear rate and poor judgment of students,it will bring bad influence on the education and development of college students.This paper aims to analyze the harm of campus loan and discuss the defense mechanism of eliminating the harm of student loan.