校园网贷的小额借贷实证分析与风险防控——基于T市S校92份支付宝“花呗”使用情况的调查问卷探究  

Small Loan Empirical Analysis and Risk Prevention and Control of Campus Network Loan—Based on the Questionnaire Investigation of 92 Cases of the Use of Alipay’s“Hua Bei”in S School in T City

作　　者：张超 ZHANG Chao(School of Marxism,Shanghai Jiaotong University,Shanghai 200240,China)

机构地区：[1]上海交通大学马克思主义学院,上海200240

出　　处：《晋城职业技术学院学报》2022年第5期60-63,共4页Journal of Jincheng Institute of Technology

基　　金：2020年度国家社科基金高校思政课研究专项《建党百年中华民族共同体意识培育的历史经验及思想政治教育意义研究》(项目编号:20VSZ127)。

摘　　要：以T市S校92份支付宝“花呗”使用情况的调查问卷为研究对象,分析受访大学生使用“花呗”的具体情况与原因,可知受访大学生理性的消费观念正在孕育。同时提出应认识大学生小额贷款需求的合理性、深入进行支付宝“花呗”风险防控教育引导、监督“花呗”宣传与放贷和对“花呗”及其依托平台进行责任划分与穿透式审查的对策建议。以期合理规制“花呗”在大学生群体中运营的风险,对校园网贷的发展提供借鉴。Taking 92 questionnaires on the use of Alipay“Hua Bei”in S School in T City as the research object,this paper analyzes the specific situation and reasons of the interviewed college students using“Hua Bei”,and concludes that the rational consumption concept of the interviewed college students is in the formation.It further puts forward countermeasures and suggestions such as understanding the rationality of college students’demand for small loans,conducting in-depth education and guidance for risk prevention and control of Alipay’s“Hua Bei”,supervising the publicity and lending of“Hua Bei”,and delimiting responsibilities based on its platform and conducting penetrating examination of“Hua Bei”.The paper aims to provide reference for reasonable regulation of the risk of“Hua Bei”in the operation of college students and the development of campus network loan.

关 键 词：校园网贷 风险防控 实证调查 

分 类 号：F832.5[经济管理—金融学]