高校校园贷发展现状与对策研究——以陇东学院为例

The Development Status and Countermeasures of College Campus Loan——Take Longdong University for Example

本文通过分析陇东学院在校大学生的校园贷行为,发现校园贷存在法律缺失,监管不到位;网贷平台审核标准不严,贷款门槛低,利息、手续费高昂;学生信贷知识欠缺、法律意识薄弱、金融防范意识不足、缺乏理性消费观念。应通过完善立法,加强监管;校家联动,合力构筑学生教育引导体系;加强学生安全防范意识,培养学生理性消费观念来进一步规范校园贷行为。

This paper analyzes the campus loan behaviors of college students in Longdong University, and finds that there is a lack of law in campus loan, and the regulation is not in place;Internet loan platform audit standard is lax, the loan threshold is low, collect exorbitant expense;lack of credit knowledge, weak legal awareness, insufficient awareness of financial protection and irrational consumption concept. We should strengthen the supervision through the improvement of legislation;home school interaction, work together to build students’ education and guidance system of college students;strengthen safety awareness, cultivate the concept of rational consumption to further standardize the campus loan behavior.