互联网金融背景下大学生“校园贷”风险防控体系建构——以南京交通职业技术学院为例

Constructing Risk Prevention and Control System for College Students' “Campus Loan” in the Context of Internet Finance——The Case of Nanjing Vocational Institute of Transport Technology

互联网金融是在"互联网+"大背景下快速发展起来的,"校园贷"作为其重要组成部分近几年发展迅猛。但由于校园网络借贷受众的特殊性,以及相关风险防控手段的缺失,引发了一系列问题,受到社会舆论的普遍关注。通过设计调查问卷,对南京交通职业技术学院学生进行调查,并对问卷调查结果进行认真的分析,得出的结论是:要有针对性地构建"校园贷"风险防范体系;政府、学校、家庭三方必须通力协作,积极发挥各自作用;要加强对学生的教育管理,正确引导大学生理性消费。

Internet finance has been developed rapidly in the context of “Internet +”. As an important part of it,“Campus Loan” has been developed significantly in recent years. However, due to the particularity of campus network loan recipients, and the lack of relevant risk prevention and control measures, a series of problems have emerged, which drew widespread attention from the public. Through the design of questionnaires, the students of Nanjing Vocational Institute of Transport Technology were surveyed, and the results were carefully analyzed. The conclusions are: the “Campus Loan” risk prevention system shall target specific student groups; government, college and families shall work together to actively play their respective roles; it needs to strengthen students’ education and management to correctly guide college students’ rational view of consumption.