不良校园贷接触特征研究及预警方法探讨

信息社会及“互联网+”推进了互联网金融的快速发展,另一方面,不良校园贷也在高校发展迅速、逐年扩大,高额利息、暴力催还严重打击了大学生的身心健康与安全,影响了校园稳定和安全。基于这种情况,文章首先阐述了不良校园贷的种类和危害,其次分析了大学生接触不良校园贷的行为特征,并在此基础上提出了抵制不良校园贷的预警方法。

The information society and the"Internet plus"have promoted the rapid development of Internet finance.On the other hand,the unhealthy campus loan has also developed rapidly and expanded year by year in Colleges and universities.High interest rates and violent promotion have also severely damaged the physical and mental health and safety of college students,and have affected the stability and safety of campus.Based on this situation,this paper first expounds the types and harms of bad campus loans,then analyzes the behavior characteristics of College Students'contact with bad campus loans,and on this basis,puts forward the early warning methods of resisting bad campus loans.