校园贷款大学生风险分析前景预测

本科论文摘 要随着互联网金融的快速发展，校园贷款作为时代产物应运而生，逐渐成为高校学生的主流贷款方式。但是校园贷款是把双刃剑，我们要在享受它带来的便利的同时，也要明白并且承担校园贷款带来的风险。由于国家在校园贷款领域法制监管的不完备以及非法校园贷款的出现，导致校园贷款的负面信息频发，引起了社会的广泛关注。本文在搜集和查阅大量校园贷款相关文献的基础上，结合国内外校园贷款的发展背景与历程，对校园贷款进行了系统性的研究。以校园贷款的定义为出发点，从学生、学校、校园贷款平台以及政府四个角度对校园贷款进行分析，根据校园贷款的特点和种类，结合相关案例，找出高校学生校园贷款存在的问题，为大学生校园贷款提供针对性建议，最后对校园贷款的发展前景进行合理的预测。关键字：校园贷款，大学生，风险分析，前景预测本科论文AbstractWith the rapid development of Internet finance, campus loan, as a product of The Times, emerges at the right moment and gradually becomes the mainstream loan method for college students. However, everything has two sides. While we enjoy the convenience of campus loans, we should also take corresponding risks. Due to the incomplete legal supervision in the field of campus loan and the emergence of illegal campus loan, the negative information of campus loan occurs frequently, which has aroused widespread concern in the society. On the basis of collecting and consulting a large number of documents related to campus loan, this paper makes a systematic research on campus loan in combination with the development background and process of campus loan at home and abroad. In terms of the definition of campus loan,this paper makes analyses the students,school,the campus credit platform ,and the government.According to the characteristics and types of the campus loan and the related cases,it find out current problems in college student's loans,provides concrete suggestions,and makes a reasonable forecast of t...