甘肃省高校学生网络信贷风险意识研究

Study on Risk Consciousness of Online Credit for College Students in Gansu Province

网络信贷作为“互联网+”时代的一种金融创新,与我国传统商业借贷相互补充,共同服务于整个社会经济发展。但自网络信贷特别是针对高校学生的“校园贷”出现以来,各种不良网络信贷事件层出不穷,严重地影响了学生的正常学习生活和身心健康。该文基于甘肃省5所高校413位同学问卷调查获取的数据资料,就高校学生的各项消费费用支出、网络信贷风险认知和信贷模式风险认知等进行了分析。并依据分析结果从学生消费理念引导、强化网络信贷风险认知以及网络信贷风险防范等方面提出了对策建议,旨在杜绝“校园贷”事件的同时提升高校学生的网络信贷风险意识与防范能力。

As a financial innovation in the"Internet plus"era,online credit in China complements traditional commercial lending and jointly promotes the development of social and economic.However,since the emergence of online credit,especially the"campus loans"for college students,various bad online credit incidents have been emerging,which has seriously affected the normal study and health of students.Based on the data obtained from a questionnaire survey of 413 students from five colleges and universities in Gansu Province,this paper analyzes the students'consumption expenses,and risk perceptions of both online credit and credit mode.On the basis of analysis results,this research puts forward countermeasures and suggestions from aspects of guiding students'consumption concepts,strengthening the awareness of online credit risks,and preventing online credit risks.The aim is for eliminating the"campus loan"incident while enhancing credit risk awareness and prevention ability of college students.