摘要
最近几年,校园网络借贷飞速发展。但由于校园网络借贷自身的特殊性,再加上相关监管的缺失,引发了一系列校园特殊风险事件。引发校园网络借贷风险事件的原因包括实际费率畸高、审核不严、野蛮催债等多个因素。要解决校园网络借贷存在的问题,首先要发挥行业自律组织的作用,提倡校园网络借贷平台自律;其次,应当加强大学生理财教育,提倡理性消费;再次,可以借鉴国外的先进经验,对借贷金额做一定的限制,提高校园网络借贷的风险控制能力;最后,出台相关监管法规,打击校园网络借贷的违法违规行为。
The online student loans refer to the P2P online lending platform which acts as a broker of loans to college students. With its rapid development, illegal behaviors have been arising, which have caused a series of special risks because of the lack of legal supervisions. Based on the choice of market, we reckon that we can make efforts from the following aspects： firstly, we should make full use of self-regulatory organizations of the industry to advocate moral self-discipline of online students loans so that to respect the market choice; secondly, the financial education of college students must be strengthened and rational consumption must be advocated; thirdly, we should restrict the total amount of loans to improve the ability of risk control of online student loans by learning from the advanced experiences abroad; and finally, related supervision laws and regulations must be prposed and passed quickly to crack down the violations of laws in current online student loans.
出处
《金融监管研究》
2016年第9期71-81,共11页
Financial Regulation Research
基金
教育部哲学社会科学研究重大课题攻关项目<互联网金融的风险防范与多元化监管模式研究>(项目批准号15JZD022)的阶段性研究成果
关键词
校园网络借贷
风险
监管
互联网金融
Online Student Loans
Risk
Supervision
Intemet Finance
