大学生借贷问题及消费意识教育的探讨

Discussion on College Students' Credit Problems and Consumer Awareness Education

随着经济社会的进步、发展,当代大学生在自主创业、个人消费、学习培训等各方面产生了巨大的资金需求,并逐渐成为无固定收入的高消费人群,而自身现金流的短缺,使其逐渐成为借贷服务的需求者。诸多网络贷款公司及P2P平台受经济利益驱动,逐步将大学生锁定为自己的"目标客户",由此产生许多大学生校园借贷问题。校园借贷虽为学生带来些许便利,但实际上很部分大学生还不具备正常的还贷能力,校园借贷不仅没有解决学生的实际困难,反而给学生家庭带来沉重的负担,给社会治安及公共安全产生较大隐患。因此作为学生工作的管理者要高度重视校园借贷问题,加强对学生的管理与教育,遏制校园借贷问题的产生及影响。

Along with the economic and social progress and development, produced a huge demand for funds for contemporary students in their own businesses, personal consumption, training and other aspects, and gradually become a non fixed income high consumer groups, the shortage of its own cash flow, which has gradually become the debt service demand. Many online loan companies and P2 P platforms are driven by economic interests, and gradually lock college students into their 'target customers', resulting in many college students' Campus lending problems. Although the campus borrowing bring some convenience of students, but in fact it is part of the students do not have the normal repayment ability, credit not only solve the practical difficulties of campus students, but bring heavy burden to the families of students, social security and public safety produce a big risk. Therefore, as managers of student work, we should attach great importance to the issue of campus lending,strengthen the management and education of students, and curb the emergence and impact of campus lending problems.