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近年来,随着我国金融市场和移动互联网的快速发展,移动互联网金融服务呈现爆发式增长的态势,由于大学生群体的基数庞大,消费需求旺盛,一些互联网金融平台将业务向高校大学生扩张,在学生中掀起了网络贷款的风潮。本文通过分析大学生网络贷款产生的原因以及网络贷款所带来的危害,在此基础上,提出了网络贷款风险防范与教育的对策建议。
In recent years, with the rapid development of financial markets and mobile Internet in our country, the mobile Internet financial services have shown explosive growth. Due to the large base of college students and strong consumer demand, some internet financial platforms have expanded their businesses to undergraduates in colleges and universities. Set off a wave of online loans. Based on the analysis of the causes of college students’ online loans and the harm caused by the online loans, this article puts forward the countermeasures and suggestions on preventing and educating the risks of online loans.