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互联网金融的方便快捷得到越来越多人的青睐,然而互联网金融消费不同于一般商品消费,具有更大的不确定性与风险。校园网络借贷平台近些年乘风兴起,填补了大学生这一借贷市场的空白。然而针对大学生这一特定金融消费群体,相关的教育与保护理论研究发表较少。而随着大学生金融消费者权利意识的不断增强,对于大学生金融消费者的教育保护研究的内在需求必将不断提高。因此,该项研究也具有很高的现实紧迫性。本文使用SPSS进行数据分析,深入研究校园网络借贷平台领域针对大学生的教育与保护,明确各利益主体在资金匹配时的权责关系、利益分配,有助于金融监管的理论发展与完善,增强大学生对校园网络借贷平台的甄别能力,同时也让互联网金融能够在各方监管下更加健康地发展。
The convenience and speed of Internet finance are gaining more and more people’s favor. However, the financial consumption of Internet is different from the general consumption of goods, with greater uncertainty and risk. Campus network lending platform rose in the wind in recent years, to fill the gaps in the loan market for college students. However, for the specific financial consumer groups of college students, the relevant research on education and protection is less published. With the continuous improvement of college students’ awareness of financial consumers, the intrinsic demand for the education and protection of college financial consumers will surely increase. Therefore, the study also has a very high degree of practical urgency. This paper uses SPSS for data analysis, in-depth study of campus network lending platform for college students education and protection, clear the various stakeholders in the matching of rights and responsibilities, the distribution of benefits, contribute to the theory of financial regulation and development and improvement, and enhance the students The ability to screen campus lending platforms also enables Internet finance to grow healthier under the supervision of all parties.