贵州大学生校园贷的现状调查及对策分析——以贵州省H高校为例

Investigation and Countermeasure Analysis of College Students’ Campus Loan——A Case Study of H University in Guizhou Province

近年来,随着互联网金融的迅猛发展,涌现很多校园网络借贷平台,深受大学生追捧。但由于校园贷高额利息、暴力催款、裸条借贷等问题,给高校大学生带来了种种危害和侵扰。在此背景下,以贵州省H高校大学生为研究对象,通过问卷调查结合访谈方法了解其消费观及生活费支出情况、对校园贷的态度、具体使用的实际情况及对危害的认识。在对现状分析研究的基础上,总结归纳贵州大学生使用校园贷的特点及存在的问题,并结合问题提出规避不良校园贷的对策建议。

In recent years, With the rapid development of Internet finance, Many campus network lending platforms have emerged, which are sought after by college students. However, due to the high interest on campus loans, violent reminders, bare-bare loans and other issues, it had brought various harms and intrusions to college students. Against this background, this article takes college students of H in Guizhou Province as the research object,through questionnaires and interviews, we know about their consumption outlook and living expenses, their attitudes towards campus loans, the actual situation of their specific use and their harmfulness. Based on the analysis of the present situation, This paper summarizes and summarizes the characteristics and problems of Guizhou University Students'using campus loan, and puts forward some countermeasures and suggestions to avoid bad campus loan.