江苏省科技期刊可视化阅读平台

导航条

江苏科技信息 ›› 2019, Vol. 36 ›› Issue (7): 35-37.doi: 10.1004-7530/2019-36-7-35

• 管理与创新 • 上一篇    下一篇

大学生网络信贷问题风险防范研究

李月红,赵博扬   

  1. 太原工业学院 法学系,山西 太原 030008
  • 出版日期:2019-03-10 发布日期:2019-07-09
  • 作者简介:李月红（1980— ）,女,山西平定人,副教授,硕士;研究方向：经济法。
  • 基金资助:
    太原工业学院院级大学生创新项目,项目名称：大学生网络信贷问题风险防范研究(WK2018049)

Research on risk prevention of college students’ network credit

Yuehong Li,Boyang Zhao   

  1. Law Department, Taiyuan Institute of Technology, Taiyuan 030008, China
  • Online:2019-03-10 Published:2019-07-09

RichHTML

3

PDF

407

摘要：

随着互联网的高速发展,向大学生提供信贷服务的网络平台层出不穷。一方面大学生信贷迎合了大学生的消费需要,网络的贷款形式更是方便快捷,极大地释放了大学生的消费能力。然而,这种新型贷款方式存在着一定的风险。文章通过将大学生金融消费的需求和一些私人企业非法借贷的供需关系进行对比分析,探讨网络信贷平台的风险防范措施,将网络信贷归置于法律监管体系之下,以此来降低其风险性,真正让大学生的消费促进我国经济的发展。

关键词: 大学生, 网络信贷, 法律问题, 风险规制

Abstract:

With the rapid development of Internet, there are more and more network platforms that provide credit service for college students. On one hand, it meets the consumption need of college students, and the loan form of the network is convenient and fast, which greatly frees up the consumption ability of college students. While on the other hand, it has to be admitted that there is a certain risk in this new type of loan. The paper will analyze the relationship between the demand of college students’ financial consumption and the supply of some private enterprises’ illegal borrowing, discuss the risk prevention measures of the network credit platform, and put the network credit under the legal supervision system, so as to reduce its risk and truly make the consumption of college students promote the development of Chinese economy.

Key words: college students, network credit, legal problems, risk regulation

中图分类号: