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我国分期消费互联网金融产品自2013年在社会推广以来得到了飞快的发展,其进入校园后,大学生分期付款行为也逐渐成为了社会的关注热点。本文首先介绍了大学生分期付款模式的发展现状,然后从正面影响及潜在风险两方面分析了大学生分期付款的风险,最后从政府、学校、商家及学生个人几个角度提出了应对大学生分期付款风险的对策,以期帮助大学生理性消费,有效规避还款风险。
China’s phased consumption of Internet financial products since 2013 in the promotion of the community has been rapid development, after entering the campus, the graduation payment behavior of graduates has gradually become a social concern. This paper first introduces the current status of the development of college students ’installment payment model, and then analyzes the risk of college students’ installment payment from two aspects: the positive impact and the potential risk. Finally, it puts forward the countermeasures to the installment risk of college students from the perspectives of the government, schools, businesses and students Countermeasures, with a view to helping college students to rational consumption, effectively avoid repayment risk.