网络借贷的风险及其控制——以校园贷为例摘 要本文通过查阅相关文献、新闻报道以及相关研究的结果，发现当前的网络借贷和校园网贷都存在着些许的问题，如侵犯人身、财产权利、敲诈勒索等。其原因是由于自身的信息安全意识低，校园管理出现漏洞，家庭的法律意识不足和法律不完善导致的。进而展开风险分析，并对大学生、高校、家庭和规章制度四个方面提出建议。首先大学生应增强个人能力，例如学会理财，勤工俭学，增强法律意识等；其次高校应做到丰富教育模式和加强安全保护；再者家庭应加强彼此的沟通或采取关联银行卡；最后国家应出台相对应政策和完善相关法律，通过上述四点降低校园贷恶性事件的发生。关键词：网络借贷；校园贷；风险；防范措施The risk of network lending and its controlI——Take campus loansAbstractBy consulting relevant literature, news reports and the results of relevant research, this paper finds that there are some problems in the current network lending and campus network lending, such as infringement of personal and property rights, extortion and so on. The reason is due to their own information security awareness is low, campus management loopholes, family legal awareness and law is not perfect. Then carry out risk analysis, and to university students, colleges, family and rules and regulations four aspects of the recommendations. Firstly, college students should enhance their personal abilities, such as learning financial management, work-study program and legal awareness. Secondly, colleges and universities should enrich the education model and strengthen the security protection. Furthermore, families should strengthen communication with each other or take associated bank CARDS; Finally, the state should introduce corresponding policies and improve relevant laws to reduce the occurrence of campus loan vicious events through the above four points.Key words: network lending; Campus to borrow; Risk; Measures to preventII...
