大学生校园网贷借贷现状分析及对策研究

随着互联网金融的兴起，不良校园网贷也层出不穷，给大学生带来方便的同时，也带来了不可估量的后果，近几年来，针对大学生校园网贷事件层出不穷，大学生跳楼事件屡屡发生，在这些现象的背后，是校园网贷存在的严重不足。一些不良的网络贷款平台利用大学生群体存在的虚荣攀比消费心理，引诱大学生过度消费，致使他们失陷于“高利贷”危机而无无法自拔。本文首先介绍校园网贷的基本情况，了解校园网贷的现状，平台模式，存在的问题，然后针对校园网贷存在的不足，提出合理化建议，促使校园网贷良性发展。
关键词：校园网贷;现状分析;对策
 
 
Analysis and Countermeasures of university students' loan and loan on campus network

Abstract: With the rise of Internet finance, The campus net loan is also overflowing, Which brings convenience to college students, and brings immeasurable consequences. In recent years, The college students' campus net loan events have come out in endlessly, and the college students' jump events have occurred repeatedly. Behind these images, The campus net loan exists strictly. It is not enough. Some bad network loan platforms make use of the vanity of the college students to compare the consumption psychology and induce the excessive consumption of college students, Which causes them to fall into the "usury" and can not be repaid. This article first introduces the basic situation of the campus net loan, understands the current situation of the campus net loan, the platform model, the existing problems, and then, in view of the shortcomings of the campus net loan, puts forward some reasonable suggestions to promote the benign development of the campus net loan.

Key words: Campus net loan ;Present situation analysis;Countermeasure

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