大学生“校园贷”的危害及治理机制研究

The harm and governance mechanism of college students’ "campus loan"

采用文献资料与逻辑思辨方法,分析大学生"校园贷"产生的背景及危害,探讨大学生"校园贷"的治理机制.研究认为:大学生"校园贷"所带来的危害是不容忽视的.治理大学生不良"校园贷"是一项系统的、复杂的工程,需要政府、社会、学校及家庭多方共同参与预防与治理.为了实现有效治理,需要建立学生、家庭、学校与社会的良性互补联动的治理机制.

using literature and logical speculation methods, This paper analyzes the background and harm of college students'“campus loan”and discusses the governance mechanism of“campus loan”.The study believes that the harm caused by college students'“campus loan”cannot be ignored. Governing college students’ bad“campus loan”is a systematic and complicated project.Which requires the government, society, schools and families to participate in prevention and governance.In order to achieve effective governance, it is necessary to establish a benign, complementary and coordinated governance mechanism for students, families, schools and society to establish a governance mechanism.