"互联网+金融"背景下大学生小额网贷现状及对策分析 ——以湖南某地方二本高校为例

Analysis of the Current Situation and Countermeasures of College Students’Microfinance under"Internet plus Finance"——Take the secondary undergraduate colleges in Hunan as an example

小额网贷产品乘着"互联网+金融"的快车得到了迅速发展,给学生学习生活带来便利的同时,也引发了诸多问题,比如一些违规小额网贷产品披着"创新"的马甲混入校园,部分学生深陷不良网贷泥沼,再如因为小额网贷学生大多数有超前消费习惯不利于个人正确消费观的养成.这些现象给个人、家庭、学校都带了极其负面的影响,同时增加了高校管理工作的难度.本文对小额网贷在湖南某地方二本院校学生群体中的存续现状进行问卷调查和访谈,深入分析在校生使用小额网贷的原因与存在的问题,并给高校管理工作提出参考建议和对策.

Small online loan products have been developing rapidly in"Internet plus Finance",which has brought convenience to students’learning and life,but also caused many problems.For example,some illegal products are mixed with"innovative"vest and some students are trapped in bad nets.Another example is that most of the small online loan students have advanced consumption habits,which is not conducive to the cultivation of personal correct consumption concept.These phenomena have a very negative impact on individuals,families and schools,and increase the difficulty of university management.This paper makes a questionnaire survey and interview on the survival status of small online loan in the student group of two colleges in a local Hunan Province,deeply analyzes the reasons and existing problems of students using small online loan,and puts forward reference suggestions and countermeasures for the management of colleges and universities.