大学生分期付款背后的“陷阱”及责任风险问题

Study on the "Trap" and Liability Risk behind College Students’ Installment Payment

由于消费不断升级,传统消费融资渠道受限等,大学生分期贷市场已然成为商业蓝海,但由于其为新兴业务监管的滞后性,导致乱向丛生。过高且不规范的利率使学生还款负担不断循环并加重,而暴力催收等更是给学生及学生家庭带来巨大影响。为此,相关部门可考虑从充分发挥民间征信机制的引导和事前防范作用,金融平台严格进行风控管理,大学生自身逐步树立正确的消费观念三方面着手,引导和规范相关市场。

Due to the continuous upgrading of consumption and the limited access to traditional consumer financing, college students’ installment loan market has become a commercial blue ocean. However, due to the lag of the supervision, chaos has been occurred. Excessive and unregulated interest rates keep students repayment burdens circulated and aggravated, and violent collections also disturb students and their families. Therefore, relevant departments may consider guiding and standardizing the relevant market by using the civil credit system to prevent those risks, strictly carrying out risk control management by the financial platform, and gradually establishing correct consumer concepts by the university students themselves.