大学生校园贷风险感知的影响因素研究

A Study on the Influencing Factors of College Students’ Perception of Campus Loan Risk

近年来,越来越多的大学生因在校园不良网络借贷产生负面影响而引发的恶性事件把校园贷推向社会舆论热点话题。加强校园贷管理,提高大学生校园贷风险防范意识成为政府、高校亟待解决的疑难问题之一。该文以风险感知、社会放大框架和情绪理论为依据,研究校园贷本身、信息和情绪因素对大学生校园贷风险感知的影响,结果表明校园贷本身、社会放大中信息因素与大学生校园贷的风险感知显著正相关,并且对风险感知都有显著正影响,情绪与风险感知不存在显著正相关。基于此,建议政府加强对借贷平台和机构的监管和制度的完善,高校联合媒体做好信息宣传,引导学生树立正确消费观,增强风险防范意识。

In recent years,what is known to all is that more and more college students because of the negative impact of bad network loans on campus caused by the vicious incidents of campus loans to the hot topic of public opinion.Strengthening the management of campus loan and improving college students’ awareness of campus loan risk prevention has become one of the difficult problems that the government and colleges need to solve urgently.Based on the theory of risk perception,as well as social amplification and emotion,this paper studies the influence of campus loan itself,information and emotion on the risk perception of college students.And we ended up with two results after a series of studies.The results show that the campus loan itself,the information factor in the social amplification and the risk perception of college students’ campus loan are significantly positive correlation.Moreover,there were significant positive effects on risk perception,and we also know the fact that there was no significant positive correlation between emotion and risk perception.Based on this,it is suggested that the government should strengthen the supervision of the lending platform and institutions,and improve the system.Colleges should cooperate with the media to publicize information,guide students to set up the correct consumption view and enhance the risk guard consciousness.