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随着"互联网+"的发展,大学生的消费形式由原来的实体购买更多的转变为网络电商消费,各种商品广告充斥着大学生的生活。"校园贷"以此为契机,以其门槛低、手续简单、到账快等优势,激发了部分大学生非理性消费,频繁借贷,从而导致暴力催收、裸贷、高利贷等事件频发。通过对全国5个省7个市9所高校问卷调查,研究"校园贷"存在的金融风险,寻求有效"校园贷"解决策略,以避免大学生身陷"校园贷"的风险误区。
Abstract：With the development of the Internet+, the consumption form of college students is changing from the original entity purchase to the consumption of the network. Advertisements of all kinds of goods are full of College Students' life. "Campus loan", with its advantages such as low threshold, simple procedure and quick arrival, attracts some college students' irrational consumption. That results in frequent incidents of violent collection, naked loans and usury.Through the questionnaire survey of 9 colleges and universities in 7 cities in 5 provinces in China, this paper studies the financial risks of "campus loan" and seeks effective"campus loan"solutions to avoid the risk of college students in"campus loan".
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基本信息:
DOI：10.16825/j.cnki.cn13-1400/tb.2018.03.021
中图分类号:G645.5
引用信息:
[1]杨丽丽.大学生校园贷成因分析及对策思考[J],2018,16(03):67-71.DOI:10.16825/j.cnki.cn13-1400/tb.2018.03.021.
基金信息:
2017年度教育部人文社会科学研究专项任务项目(高校思想政治工作)“‘校园贷’风险防范与教育引导机制研究”(项目批准号:17JDSZ3033),项目负责人胡振明