大学生校园网贷P2P模型分析及其风险防范对策 会计学专业

摘 要随着时代的进步，互联网金融得到了飞速的发展，P2P 网贷就是其中衍生的一个新兴行业。大学生没有经济基础，主要来源于家庭,然而他们几乎却是消费群体里需求量最大的，所以在 P2P 网贷中也扮演了一定重要的角色。本文研究 P2P 网贷这个模型，剖析我国 P2P 网贷模型的两种运营模式以及就网贷平台的资金流情况创建了一个简单的模型。并且着重以名校贷（一个大学生专属的网贷平台）为例，研究大学生网贷的过程，名校贷的贷款步骤，贷款产品分析，以及大学生贷款的目的。总结了大学生网贷所要面临的风险，包括常见的财务风险，道德风险以及不良信用档案。同时文章提到了大学生贷款的主要诱因，最后还提出了防范风险的预防措施，譬如完善法律法规，提高行业的自律性，加强大学生思想建设和实行社会监督等等。聚焦大学生网贷的研究，相信对网贷的有序发展、对大学生的健康发展都I 有着深远的意义。关键词：P2P 网贷；名校贷；风险；预防对策AbstractWith the progress of the times, the Internet Finance has been the rapid development which P2P net loan as an emerging industry is derived from. College students as a special group, they are no economic basis, who depend on their family, however, they almost are the largest consumer groups as a result that they play an important role in the P2P net loan. This paper studies the P2P network loan model, which analyzes the II two models of P2P net loan model and creates a simple model for the capital flow of the net loan platform. We focus on elite loans (a college student exclusive net loan platform) as an example, studying the process of net loan and the steps of elite loans, loan product analysis, as well as the purpose of College loans. It summarizes the risks faced by college students, including common financial risks, moral hazard and bad credit files. At the same time the article mentions the main inducement of the student loan, and finally puts forward risk prevention measures, such as perfecting the laws...