新格局背景下不良校园贷风险防治的路径探析

An Analysis of the Ways to Prevent and Control the Risk of Non Performing Campus Loans under the Background of the New Pattern

基于一系列整治措施实施后的新格局背景,对比不良校园贷的前期、后期的发展进程,以及高校学生信贷消费心理和消费行为的转变。通过多种调查方式研究不良校园贷在部分高校中的存续现状,并总结其存续的成因。进而分析不良校园贷给不同主体造成的风险,据此一一对应地提出以尽量不发生、发生早处理、处理要完善为核心原则,多主体联合进行前期预防、中期介入、后期整治的防治路径,以期尽量地减少不良校园贷造成的危害。

Based on the new situation after the im-plementation of a series of rectification measures, the development process of non-performing campus loans in the early and late stages is compared, as well as the transformation of credit con-sumption psychology and behavior among college students. The paper studies the current situation of the existence of non-performing campus loans in some universities through various investigation methods, and summarizes the causes of their existence. Furthermore, the risks caused by non-performing campus loans to different entities are analyzed, and based on this, the core princi-ples of minimizing occurrence, early handling, and improving handling are proposed one by one. Multiple entities jointly carry out prevention and control measures in the early stage, mid-term in-tervention, and later rectification, in order to minimize the harm caused by non-performing campus loans.