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当前,针对在校生的高利贷、“裸条”、暴力催收等恶性事件屡屡出现,大学生网络贷款乱象造成了巨大的负面影响。近年来,大学生网络贷款监管日益加强,通过大学生网络贷款监管协调强化,大学生网络贷款乱象得到初步遏制,但大学生网络贷款仍存在诸多问题,相关部门应继续强化监管,防范风险,同时需要提供正规金融服务满足校园多样化金融服务需求,构建可持续发展的校园金融服务体系。本文将针对当前大学生网络贷款的现状进行分析,并提出相应的改善对策。
At present, the vicious incidents of usury, “nakedness” and violent collection of students are occurring frequently, and the chaos of university students’ online loans has had a huge negative impact. In recent years, the supervision of online loans for undergraduates has been increasingly strengthened. Through the coordination and supervision of online loans for undergraduates, the chaos of online loans for undergraduates has been preliminarily contained. However, there are still many problems with online loans for undergraduates. Relevant departments should continue to strengthen supervision and prevent risks while providing regular Financial services to meet the diverse needs of the campus financial services, construction of sustainable development of the campus financial services system. This article will analyze the status quo of college students’ online loans and put forward corresponding improvement measures.