针对高校学生校园贷款诈骗的对策探讨

近年来,大量的"校园贷"借贷平台涌现,通过向高校学生推送贷款广告,以免抵押、低利息为诱饵诱导学生贷款,并要求缴纳贷款"手续费""管理费""保证金"等费用,诈骗学生,造成了恶劣的影响。由于在我国尚未形成完备的监管体系,存在市场监管漏洞,而心智尚未足够成熟、消费能力跟不上消费欲望的高校学生容易遭受校园贷款诈骗。因此必须加强对校园贷市场监管和规范,加强高校对校园贷款诈骗的监管力度,提高学生个人风险防范意识和法律意识,做好预防校园贷款诈骗的学生管理工作。

In recent years, a large number of "campus loan" lending platforms have emerged. By pushing loan advertisements to college students to avoid mortgages and low interest rates as lures to induce student loans, they are required to pay fees such as "procedure fees", "management fees" and "margin funds" for loans. Fraud students, causing a bad influence. As a complete supervision system has not yet been formed in China, there are loopholes in market supervision, and university students whose minds are not mature enough and whose spending power cannot keep up with consumer desires are vulnerable to campus loan fraud. Therefore, it is necessary to strengthen the supervision and regulation of the market for college loans, strengthen the supervision of colleges and universities on campus loan fraud, improve students' personal risk prevention awareness and legal awareness, and do a good job in the prevention of campus loan fraud student management.