大学生网络贷款研究.pdfVIP

大学生网络贷款研究 摘要 随着互联网金融的迅速发展，网贷这一模式迅速被广泛接受，各种网贷平台 竞相出现，不断开拓网贷市场，高校也成为了网贷平台拓展业务的重要地方。网 贷为高效学生带来了一定的便利，同时也带来较大的问题，故而笔者通过问卷调 查法与文献资料法大学生网络贷款进行研究。文章首先介绍了大学生网络贷款理 论依据及运作原理，为后文的研究奠定理论基础；其次对大学生网贷现状进行描 述；再次指出大学生网络贷款中存在的问题；接着从问题中探寻出大学生网络贷 款中存在问题的成因；最后提出解决大学生网络贷款问题的措施。以期为大学生 树立正确的消费观进行合理的网络贷款活动起到一定的参考作用。 关键词：高校；大学生；网络贷款 Research on College Students Network Loan Abstract With the rapid development of Internet finance, the model of net credit is rapidly being widely accepted, various online banking platforms compete to appear, and constantly open up the network loan market, colleges and universities have also become an important place for network loan platform to expand their business. Net loan for the efficient students to bring a certain convenience, but also bring a larger problem, so the author through the questionnaire survey and literature on the network of college students to conduct research. This paper first introduces the theoretical basis and operation principle of college students Internet loan, laying a theoretical foundation for the following research, then describes the current situation of college students online loan, and points out the problems existing in the network loan of university students. Then, And finally puts forward the measures to solve the problem of college students network loan. With a view to establish a correct view of college students to conduct a reasonable network of lending activities play a reference role. Key words:Colleges and universities;College Students;Network loan 目 录 引言1 一、大学生网络贷款理论依据及运作原理1 （一）大学生网络贷款理论依据1 （二）大学生网络贷款运作原理1 二、大学生网络贷款现状2 （一）网贷平台使用率高2 （二）贷款并非用于必须消费2 （三）对网贷熟识度不高3 （四）多为短期小额贷款4 三、大学生网络贷款中存在的问题5 （一）出现信用风险5