摘要
互联网技术的飞速发展催生了一大批网络借贷机构,网络借贷业务随之在校园内迅速发展起来,网络借贷在为大学生提供资金支持的同时,也带来了诸多风险和隐患,例如诱导大学生产生过度消费心理、引发经济纠纷、泄露隐私、影响征信记录等。因此,相关部门要加强对网络借贷平台的监管,帮助大学生树立正确的消费观和价值观,强化大学生金融风险意识教育,构建高校网络借贷风险防范机制,做好大学生网络借贷的风险管理和防范。
The rapid development of Internet technology has led to a large number of online credit institutions, and the online credit business has developed rapidly in the campus. Online credit not only provides financial support for college students, but also brings many risks and hidden dangers. For example, it induces college students to have the desire for excessive consumption, causes economic disputes, discloses privacy, and affects credit investigation records. Therefore, relevant departments should strengthen the regulation of credit to network platform, help students establish the correct consumption view and values, strengthen college students5 financial risk consciousness education, construct the network credit risk prevention mechanism, manage and guard against the risks of college students9 online credit.
作者
李莉
LI Li(North Sichuan Medical College, Nanchong Sichuan 637000, China)
基金
2017年川北医学院校级重点课题"互联网金融背景下大学生网络借贷现状分析及引导策略研究"研究成果(项目编号:CBY17-B-ZD02)
关键词
互联网金融
大学生
网络借贷
风险
online finance
college students
online credit
risk
