摘要
调查数据显示,借贷消费行为在高校大学生中并不普遍,仅涉及少数大学生,大部分学生对此兴趣不大,基于未来还款压力较大,他们难以接受借贷消费行为。另外,当代大学生整体上对借贷消费本身的性质和可能产生的风险认知不足。基于这种现实情况,不应该提倡当代大学生的借贷消费行为,国家应出台相关文件对此进行规范,高校应该加强对校园贷可能引发的风险进行日常监测,同时加强对学生的相关教育,公安部门也应该积极作为,严厉打击对高校大学生的欺诈欺骗等违法犯罪行为。
Survey data show that the loan consumption behavior is not common among college students, most students are not interested in this, they are not willing to accept the loan consumption behavior. College students has no adequate knowledge of the nature of the loan consumption and the possible risk. Based on this situation, we should not encourage college students to do loan consumption, the state should limit the behavior.
出处
《吉林省教育学院学报》
2017年第9期178-181,共4页
Journal of Jilin Provincial Institute of Education
关键词
借贷消费
校园贷
金融安全
loan consumption
campus loan
financial security
