摘要
随着互联网经济快速发展,互联网金融已进入到各个行业领域,由此衍生出一系列金融产品和服务,在校园里爆发式增长的大学生网络借贷就是互联网金融的一种体现。网络借贷为大学生提供消费渠道,然而也引发众多风险,网络借贷悲剧频频发生。因此,为了更加了解大学生群体的消费观念,准确把握大学生的借贷心理,避免发生恶性事件,以福建高校为例,采用问卷调查的方式了解福建省高校大学生网络借贷情况,并在此基础上,从学生本身、家庭、大学校园、政府等方面提出关于建设良好的大学生网络借贷环境的对策建议。
With the rapid development of the Internet economy, Internet finance has entered various industry sectors, which has spawned a series of financial products and services. The explosive growth of college students＇ Intemet loans is a manifestation of Internet finance. Internet lending has provided consumers with a channel of consumption. However, it has also caused many risks, making the internet loan tragedy has frequently occurred. Therefore, in order to understand more about the concept of consumption of college students, to accurately grasp the lending psychol- ogist of college students and to avoid the occurrence of malignant incidents, this article takes Fujian colleges and universities as examples to use a questionnaire survey to understand the status of college students＇ Internet lending in Fujian Province, and on this basis, from the aspects of students themselves, families, college campuses, and government, we put forward countermeasures and suggestions for building a good online environment for college students.
出处
《对外经贸》
2018年第5期114-117,共4页
FOREIGN ECONOMIC RELATIONS & TRADE
基金
校级大学生创新创业大赛资助
项目名称为"互联网金融背景下大学生网络借贷风险及其管理对策研究--以福建高校为例"
关键词
大学生
网络借贷
风险
College Students
Network Lending
Risk
