大学生校园贷的发展现状及对策

Current Situation and Countermeasures of College Campus Loan

大学生校园贷问题越来越引起相关部门的重视。电商平台、P2P网络借贷、分期网络平台,贷款门槛低、手续简单、到账快,诱导大学生提前消费,引发严重的校园恶性事件。通过对高校校园贷的现状、分析产生的原因,并提出相应对策,以期促进高校校园平安、稳定。

The campus loan problem among college students has attracted more and more attention from relevant departments.E-commerce platform,P2P network lending,and phased network platform have the characteristics of low threshold,simple procedure,and fast account transfer,which induce college students to spend their future money,causing serious campus incidents.This paper analyzes the current situation of college campus loans and its causes,then puts forward corresponding countermeasures in order to promote the safety and stability of college campus.