互联网金融背景下高校“校园贷”教育引导机制研究

Research on the Educational Guidance Mechanism of "Campus Loan" in Colleges and Universities under the Background of Internet Finance

文章采用文献资料法、逻辑分析法等,对互联网金融背景下高校"校园贷"教育引导机制展开研究。研究认为:随着互联网金融的出现,数字经济的飞速发展,网络借贷平台渐入人们的视野。"95后"大学生更是热衷于网络消费,于是各种借贷平台业务在大学生中得到蓬勃发展,其在便利大学生消费同时也带来了一系列的问题,并由此给大学生的生活和学习产生了一定的困扰,因此高校亟须采取相应措施,来正确引导大学生理性消费与合理借贷观。

This paper studies the guiding mechanism of campus loan education under the background of internet finance by using the method of literature and logic analysis.The study holds that with the emergence of Internet finance and the rapid development of the digital economy,the online lending platform has gradually come into people's view.After"95",college students are even more keen on Internet consumption.As a result,the business of various lending platforms has flourished among college students,and it has brought a series of problems at the same time in facilitating the consumption of college students,which has caused certain problems to the life and study of college students.Therefore,it is urgent for colleges and universities to take appropriate measures to guide the rational consumption and rationality of college students.The view of borrowing.