大学生网络借贷行为的调查与分析

Survey and Study on College Students’ Online Lending Behavior

对大学生网络借贷的使用和认知情况进行问卷调查,基于调查结果,分析了大学生发生网络借贷活动的内外部原因,指出网络借贷行为造成的危害,并提出相应对策:首先,规范网络借贷平台市场,加强对网络借贷平台的监管;其次,普及基础金融知识,帮助大学生培养合理的理财习惯和意识;最后,推广信用和诚信教育,帮助大学生树立信用观念和守信意识。

Aiming at understanding the online lending behavior of college students,a questionnaire survey on the use and cognition of college students'online lending was conducted.Based on the survey results,this paper studies the internal and external factors causes of college students'behavior in online lending activities,analyzes the harm caused by those behavior and proposes corresponding countermeasures.This study proposes corresponding countermeasures:firstly,standardize the online lending platform market and create an atmosphere of online lending credit;secondly,popularize basic financial knowledge to help college students develop reasonable financial management habits and awareness;finally,promote credit and integrity education to help college students establish a credit concept and trustworthiness.