大学生网络贷款的风险与对策分析.pdfVIP

大学生网络贷款的风险与对策分析 内 容 摘 要 随着我国经济和互联网的迅速发展，许多新兴事物也跟着出现，大学生网 贷款也进入了大众视野，其中有为了大学生方便购物的分期购物平台，有提供创 业资金的平台以及其他贷款产品。本文以相关数据以及案例分析，发现大学生网 络贷款的发展迅速，范围广，平台数量多，相关法律法规对其约束较少，出现了 许多问题，如申请方式不规范，容易诱发犯罪问题，大学生受骗现象频发，对款 项的流向无人监管等问题，有不少大学生掉进了不法分子的陷阱当中，有的甚至 付出了生命的代价。要减少这种现象的发生，应该从学校，家庭，社会全方面协 助，要正确培养学生的价值观及消费方式，父母言传身教，完善有关法律条款， 来提高大学生网络贷款的安全性。 关键词：大学生网络贷款；风险；对策 I Risk and countermeasure analysis of college students network loan Abstract With the rapid development of Chinas economy and the Internet, many new things have emerged, and the online loan for college students has also entered the publics vision, including the installment shopping platform for college students to facilitate shopping, the platform to provide venture capital and other loan products. Based on relevant data and case analysis, this paper found that the college students network loan has been developing rapidly, the range is wide, the platform number, the relevant laws and regulations of the constraint, appeared many problems, such as application way is not standard, easy to induce crime problem, college students cheated frequent phenomenon, to the flow of money no regulatory problems, many college students fall into the trap of criminals, some even at the expense of life. To reduce the occurrence of this phenomenon, we should provide assistance from schools, families and the whole society, correctly cultivate students values and consumption patterns, parents words and deeds, and improve the relevant legal provisions to improve the security of college students online loans Key words ：College students network loans; Risk; countermeasures