大学生使用校园贷的心理原因及对策  

Psychological Reasons and Countermeasures for College Students to Use Campus Loans

作　　者：彭照华 Peng Zhaohua

机构地区：[1]苏州大学保卫处

出　　处：《科教文汇》2019年第28期159-160,163,共3页Journal of Science and Education

摘　　要：校园贷是指在校大学生向借贷平台的借款行为,它具有门槛低、操作便利等特点,但大学生往往忽视校园贷背后的高风险。大学生使用校园贷主要是由于自尊水平低、自控能力差、人际信任水平较高但自我保护意识较差等多方面的心理原因。大学生使用校园贷的行为不能只依靠学生独立解决,还需要家长、学校和社会的共同参与。Campus loan refers to the borrowing behavior of college students from the lending platform.It has the characteristics of low threshold and convenient operation.However,college students often ignore the high risk behind campus loan.College students'use of campus loans is mainly due to the low level of self-esteem,poor self-control ability,high level of interpersonal trust but poor self-protection awareness and other psychological reasons.College students'use of campus loans cannot be solved only relying on themselves,but also need the joint participation of parents,schools and the society.

关 键 词：大学生 校园贷 心理原因 对策 

分 类 号：G444[哲学宗教—心理学]