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随着我国经济发展模式的转变,互联网金融行业作为当前新的经济增长点已逐渐为人们所关注。目前不少商业平台也逐渐把目光投向消费潜力庞大,购买意愿强烈的大学生群体,特别是近年在高校中“校园贷”类的产品,发展迅速。不少大学生缺乏正确的消费观念和理财意识,网络借贷违约问题频出,引起社会热议。本文通过对目前“校园贷”产品和实际案例研究,分析大学生网络借贷中的风险隐患,并提出相应的对策。
With the transformation of our country’s economic development mode, the Internet finance industry has gradually become the focus of attention as a new economic growth point. At present, many commercial platforms are also gradually turning their attention to the huge potential consumers and the willingness to buy a group of college students. Especially in recent years, “campus loans” have been developing rapidly in colleges and universities. Many college students lack the correct concept of consumer spending and financial awareness, and the frequent problems of default in online lending have caused heated discussions in the community. This article analyzes the hidden dangers of college students’ online loan through the research on the current “campus loan” products and actual cases, and puts forward corresponding countermeasures.