经济新常态下大学生互联网消费金融的发展策略研究

Research on the Development Strategy of Internet Consumer Finance of College Students under the New Normal Economy

作为经济新常态下的产物,大学生互联网消费金融在给大学生带来融资便利的同时,也产生了一些亟待解决的问题。本文首先介绍大学生互联网消费金融的概念和运作模式。其次分析其发展过程中存在的一些问题,如大学生的消费者权益保护不足,大学生互联网消费金融产品较为单一、风险隐患大、监督管理制度不完善等。最后从四个方面提出促进大学生互联网消费金融稳健发展的建议。

As the product of the new normal economy,Internet consumer fi nance of college students not only brings financing convenience to college students,but also produces some problems to be solved urgently.Firstly,this paper introduces the concept and operation mode of Internet consumer fi nance of college students.Secondly,it analyzes some problems existing in the process of its development,for example,the protection of consumer rights college students is insuffi cient,Internet consumer fi nancial products of college students are relatively single,which means large potential risks,and the supervision and management system is imperfect,etc.Finally,it puts forward suggestions to promote the steady development of Internet consumer fi nance of college students from four aspects.