大学生网贷认知及其风险防范分析——基于天津高校的调查数据  

Analysis on College Students' Online Loan Cognition and Risk Prevention——Based on the Survey Data from Tianjin Colleges and Universities

作　　者：张杰[1] 穆舒 

机构地区：[1]天津财经大学大公信用管理学院,天津300222

出　　处：《征信》2017年第4期22-26,共5页Credit Reference

基　　金：天津市哲学社会科学研究规划项目(TJYY15-014)

摘　　要：近期大学生网贷风险事件频发,造成了巨大的不良社会影响,基于天津7所代表性高校大学生信用认知状况调查数据,重点对大学生资金需求及网贷认知状况进行分析,探讨大学生网贷风险的形成原因,认为应优化网贷行业发展外部环境、加强大学生网贷平台监管、强化大学生网贷安全教育以防范大学生网贷风险。In recent years, events of college students＇ online loan risk occur frequently, resulting in a huge adverse social impact. Based on the survey data about college students＇ cognition of credit from seven representatives of Tianjin colleges and universities, the paper analyzes on the situation of college students＇ capital demand and online loan cognition, and discusses the causes for college students＇ online loan risk. It is proposed that the external envi- ronment of online loan industry development should be optimized, and that the supervision over college students＇ online loan platform and online loan safety education should be intensified, so as to guard against the risk.

关 键 词：大学生 网贷风险 信用认知 监管 

分 类 号：F832.4[经济管理—金融学] G645.5[文化科学—高等教育学]