银行参与“校园贷”的现状分析与对策建议

The Status of Banks Participate in“Campus Loans”and Countermeasures

近年来,高校“校园贷”在互联网的大潮中蓬勃发展,一些不良非法“校园贷”通过虚假宣传、暴力催收等手段不断骗取大学生钱财,给学生本人及其家庭带来了重大危害。因此,银行这支“正规军”参与“校园贷”迫在眉睫。通过分析当前高校“校园贷”的现状,指出了银行参与“校园贷”面临的机遇与挑战,并提出了银行参与“校园贷”的有效对策。

In recent years,the"campus loans"in colleges and universities is booming with the internet wave.Some illegal“campus loans”continue to cheat money from college students through false propaganda、violent collection and other methods,which has brought great harm to the students themselves and their families.Therefore,it is urgent for bank,which is the"regular army"to participate in"campus loans".This article analyzes the current situation of"campus loans"in colleges and universities,points out the opportunities and challenges for banks to participate in"campus loans"and puts forward some effective strategies for banks to participate in“campus loans”.