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国家“普惠金融”政策的实行、大学生旺盛的消费需求以及监管的空白使得校园贷在近几年迅速发展起来,但在繁荣的同时也造成了暴力催款、裸条放款等不良现象以及大学生无力还款而跳楼自杀的社会悲剧。本文通过对比国内与国外几个典型的校园贷平台的发展模式,揭示出当前我国校园贷平台存在审核不透明、借贷风险大及变相高利贷的问题,并给出了明确监管主体、对平台施行分类管理、加大学生资助信贷体系、征信体系建设等6条发展建议。
The implementation of the national “inclusive finance” policy, the thriving consumer demand of undergraduates and the blank of regulation have led to the rapid development of campus loans in recent years, but at the same time the prosperity has caused such undesirable phenomena as dunning of funds and naked loans As well as the social tragedies of college students who commit suicide because of their inability to repay. By comparing the development models of several typical campus lending platforms at home and abroad, this paper reveals that there is a problem of audit opacity, high risk of lending and usury in disguised form in China’s campus lending platform. A clear regulatory body is also given to classify the platforms , Increase students funded credit system, credit system construction 6 development proposals.