浅议当代大学生“网络贷款”现状

On the Current Situation of Contemporary College Students' "Network Loan"

当日益增多的金融业务碰上高速发展和迅速普及的互联网时,放贷迅速、业务率高、申请门槛低、资金额度小的电子商务——网络贷款平台应运而生。网络贷款不仅满足了中小微企业的短期资金需求,同时也为在校大学生提供资金的扶持。本文通过对河南省郑州市龙子湖高校园区的377名在校大学生进行问卷调查,深度分析了当前大学生网络贷款的现状,并提出相应的对策与建议。

When the growing number of financial services hit therapid development and rapid popularization of the Internet,networkloan platform came into being with its characteristics of instantlending,high business rate,low threshold of application,small amount of money.Network loan not only meets theshort-term funding needs of small,medium and micro-sized enterprises,but also provides financial support for college students.Based on the questionnaire survey of377college students inLongzihu university town of Zhengzhou City,He'nan Province,this paper analyzes the current situation of college students'networkloan and puts forward corresponding countermeasures andsuggestions.