广东本科高校大学生网络平台信贷交易现状研究

The Current Situation of Credit Transaction of College Students' Network Platform in Guangdong Province

近年来,校园贷款以其放贷快、门槛低等优势逐步进入大学生视野。随着校园贷款的风险事件的频频曝光,蓬勃发展的校园贷款模式被推向了舆论的风口浪尖。本文通过对广东本科院校大学生的消费情况以及经济情况进行调查,归纳网络贷款类型,分析大学生信贷原因,提出相关对策,为加强网络贷款监管力度以及完善网贷管理制度提供参考。

Campus loan,also known as campus network loan,refers to the loan business of some online loan platforms to college students through their professional advantages and effective information exchange platform.The original purpose of campus loan is to help students to start their own business,and gradually enter the college students’ field of vision with their advantages of fast lending and low threshold.However,with the frequent exposure of the risk of campus loans,the booming campus loan mode has been brought to the forefront of public opinion.Through to the Guangdong university college students’ consumption and the economic situation investigation,loan type inductive network,this paper analyzes the reasons of college students’ credit,and puts forward relevant countermeasures,in order to strengthen the network credit supervision and improve the system of network credit management to provide the reference.