面对庞大的大学生消费群体以及金融机构日渐健全的风控能力,完全有必要打开这扇金融之门。采取的基本方式是,商业银行通过信用卡向在校大学生提供监管层许可的小额、场景化的信贷额度,同时与父母的收入绑定。仿佛一个嗜血的幽灵,“校园贷”正在大学的各个角落漂浮游荡;犹如一条刺鼻的浊流,“校园贷”正在朝着本已洁白的大学领地蔓延浸污。围绕着“校园贷”的野蛮生长,虽然过去两年中监管之剑频发,但似乎并没见刮骨疗毒的效果。在“校园贷”平台转型的表 Faced with the huge consumer groups of college students and financial institutions increasingly robust risk control capabilities, it is absolutely necessary to open this door to finance. The basic approach taken is that commercial banks provide undergraduates a small, scenario-based line of credit that college-level students license through credit cards, tied to their parents’ income. As if a bloodthirsty ghost, “campus loans” are floating in all corners of the university; like a pungent turbidity, “campus loans” are spreading toward the already white university territory. Around the “campus loan ” brutal growth, although the sword of regulation over the past two years, frequent attacks, but did not seem to see the curettage effect. Table in the “Campus Loan” platform transformation