高职院校学生网络借贷预防机制探讨

Discussion on the Preventive Mechanism of Students’ Network Borrowing

当前,高职院校学生参与网络借贷概率明显增大,网络借贷风险预防已迫在眉睫。本文以加强高职院校学生网络借贷预防机制为核心,首先介绍了校园网络借贷的概念和特征,其次阐述了学生参与网络借贷的主要原因,再次指出目前我国高职院校学生网络借贷过程中可能发生的风险,以及造成引发这些风险的主要原因,最后提出有效防范校园网络借贷给学生生活带来的不良影响。

This article focuses on strengthening the prevention mechanism of students’ online lending in higher vocational colleges. First, it introduces the concept and characteristics of campus online lending. Secondly, it explains the main reasons why students participate in online lending. The possible risks and the main reasons that cause these risks, finally put forward to effectively prevent the adverse impact of campus network lending on students’ lives.