东莞高校学生网络贷款现状及其影响研究--以东莞理工学院城市学院为例  

A study of current situation and influence of college students’internet loan in Dongguan-A case study from City College of Dongguan University of Technology

作　　者：黎嘉仪 Li Jiayi(City College of Dongguan University of Technology,Dongguan,Guangdong,523419)

机构地区：[1]东莞理工学院城市学院,广东东莞523419

出　　处：《市场周刊》2021年第9期96-98,共3页Market Weekly

基　　金：东莞某校大学生网络贷款现状及其影响调查(项目编号:201913844035)。

摘　　要：大学生群体成长于生产力快速增长、信息化程度高、电子商务蓬勃发展的时代,他们的消费欲望旺盛,接受新事物的能力强,没有固定收入,丰富多元的消费环境和物质资源对其消费观念的形成有重大影响。对网贷行业来说,大学生是完美的受众目标,许多网贷平台凭借快速便捷的优势抓住了这一群体。一方面,网贷能解决燃眉之急,对大学生的生活有一定的积极作用。另一方面,网络贷款的发展速度过快,网贷平台参差不齐,国家对其还没有明确管理的法律法规,导致网贷市场混乱不堪,不法分子趁机作乱,让大学生上当受骗。文章旨在通过调查问卷,对东莞高校学生网络贷款现状进行研究,从消费的角度探究网络贷款对大学生的影响,并从多个角度提出有效降低大学生网络贷款风险的意见和建议。College students grow in the era of rapid productivity,high degree of informatization and vigorous e-commerce,they have a strong desire to consume and ability to accept new things,and do not have fixed income,rich and diversified consumption environment and material resources have a significant impact on the formation of their consumption concept.College students is a perfect audience goal for Internet loan industry.A lot of Internet loans quickly catch hold of college students.On the one hand,it does play a positive role in the life of college students.On the other hand,the speed development of Internet loan make the quality of Internet loan platform uneven,and country does not have corresponding laws and regulations to manage it,which leads to the chaos of the Internet loan market.Many lawbreakers take this opportunity to cheat college students.This thesis tries to investigate the current situation of college students’Internet loan in Dongguan through questionnaire,to explore the influence of Internet loan on college students from the view of consumption,and put forward the corresponding and effective suggestions from various aspects to reduce the risk of college students’Internet loan.

关 键 词：大学生 网络贷款 消费 

分 类 号：F832.479[经济管理—金融学]