大学生网络借贷存在的问题及对策研究

随着互联网技术的发展，互联网金融模式应运而生，互联网行业是一个多风险的行业，互联网金融风险及其监管问题应该被关注，其中尤以网络借贷风险及监管问题最应受到关注。网络借贷是一把双刃剑，它能够解决人们的燃眉之急，也可能引发一系列风险,对于经济能力较差、防范意识较低的大学生来说，网贷金融风险的防范至关重要。本论文真实调查了当代大学生网络借贷的现状，并从学生、家长与学校、网贷平台等三个方面全面分析了校园大学生网络借贷存在的问题，最后从政府监管、家庭和学校教育管理及大学生自身提升防范意识与知识等三个方面针对性提出了具体的对策。

关键词：大学生，网络借贷，问题，对策

Study on the problems and countermeasures of College Students' Online Lending
ABSTRACT: With the development of Internet technology, Internet financial model emerges at the historic moment. However, it should be noted that the Internet industry is a multi-risk industry. The Internet financial risk and its supervision should be paid more attention, especially the risk of Internet lending and supervision. Network lending is a double-edged sword. It can solve people's urgent needs and may also cause a series of risks. Especially for college students with weak economic ability and low awareness of prevention, the prevention of financial risks of online lending is very important. This paper investigates the current situation of College Students'online lending, and analyses the existing problems of College Students' online lending from three aspects: students, parents and schools, and online lending platform. Finally, it puts forward specific countermeasures from three aspects: government supervision, family and school education management and college students'self-improvement of prevention consciousness and knowledge.
Key words: College students, online lending, problems, Countermeasure

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