大学生网贷存在的问题、原因与对策

Problems,Causes and Countermeasures in Peer-to-peer Lending among College Students

在互联网+的时代,大学生通过网贷平台贷款,产生网贷纠纷的问题越来越多。究其原因,主要是学生对金钱缺乏概念、缺乏判断力和自律性,网贷平台的身份认证存在一定的缺陷等原因导致。从大学生网贷中存在的现象及问题、大学生网贷关系形成的原因分析和大学生网贷关系中各角色应起的作用及对策,得出未来改进的大学生网贷关系,对降低大学生网贷纠纷有一定的指导意义。

In the era of"Internet+",college students through platform of peer-to-peer for loans resulted in an increasing number of peer-to-peer lending disputes.This reason is that the students are lack of money concept,judgment and self-discipline.In addition,there are some flaws in the authentication of peer-to-peer lending platform.The paper analysis from the following aspects,such as the phenomenon and problems occurring in peer-to-peer lending,analysis of the causes of the formation of college students network relationship loan,the effect of the each role in peer-to-peer lending relationship.The paper give the peer-to-peer lending relationship for future improvements and useful countermeasures.The improved peer-topeer lending relationship has a certain significance in reducing peer-to-peer lending disputes.