校园贷乱象的现状以及对策

On the Current Situation of Campus Loan Chaos and the Countermeasures

随着时代的进步,人与人之间的沟通和交流越来越便捷,但是借贷平台也在逐步的发展起来,走进了校园之中。部分借贷公司利用互联网将市场转移到了校园之中,成为了现在的"校园贷"。一些抱着不良心理的校园贷平台借用一些手段使学生过度消费,致使部分学生深陷"高利贷"的陷阱之中,侵害同学的合法权益,形成了不良的后果。文章通过校园贷存在的问题和校园贷兴起的原因,探讨解决校园贷乱象的对策。

With the progress of the times, communication and communication between people become more and more convenient, but the lending platform is also gradually developing into the campus. Some borrowing companies use the Internet to transfer the market to the campus and become the "campus loan" now. Some campus credit platforms with bad mentality use some means to make students consume excessively, causing some students to fall into the trap of "usury", infringing on the legitimate rights and interests of students, and forming adverse consequences. Through the existing problems of campus loan and the reasons for the rise of campus loan, this paper explores the countermeasures to solve the phenomenon of campus loan disorder.