In recent years, with the rapid development of online lending services, campus loans targeting college student groups have emerged in China. Campus loans are Internet financial service companies specializing in private loans by establishing loan policies targeting college students, which is popular among students due to their low threshold, simple vetting and fast lending. But some loan companies are engaged in short-term usurious loan business by taking advantage of college students' lack of social awareness and psychological vulnerability. However, there are a number of risks associated with certain unscrupulous campus loans that cannot be ignored, including endangering the healthy growth of students, affecting the harmony and stability of families, jeopardizing the construction of a civilized campus environment, inadequate lending platforms, and a serious lack of legal regulation and supervision. How to prevent these risks and how to educate and respond to them requires students' own awareness and legal knowledge, as well as the active communication and teaching of families and parents, and the positive guidance, extensive education and reasonable assistance of schools are also necessary. At the same time, the campus loans industry needs to strengthen industry self-regulation, to resolutely resist unscrupulous campus loans, and reasonably introduce formal financial institutions. The government needs to speed up the pace of improving laws and regulations, clarify regulatory departments and supervisory responsibilities, and jointly protect the legitimate rights and interests of students and help them grow up healthily.
近年来,随着网络借贷服务的迅速发展,在中国,以学生群体为目标客户的校园贷层出不穷。这种为以在校大学生为目标的,针对大学生拟定贷款政策并向专门向大学生发放民间贷款的互联网金融贷款服务的校园贷,凭借门槛低、审核简单、放款速度快等优势获取了大量的大学生客户。部分校园贷具有高利贷性质,利用高校大学生社会认知能力较差,防范心理弱的劣势,进行短期、小额的贷款活动。这样的不良校园贷不但危害了大学生的健康成长,还会影响和谐家庭和文明校园的构建。此外,现阶段的校园贷借贷平台还存在主体不适格、法律规范与监管严重缺失等现实问题。该如何防范这一系列风险,如何进行预防教育及应对,不光需要学生自身提高防范意识、夯实法律知识储备,也需要家庭、父母的言传身教和积极沟通,更不能缺少学校的正向引导、广泛教育和合理援助。同时,校园贷行业需加强行业自律,坚决抵制不良校园贷的同时,合理引入正规金融机构,政府也需加快法律法规的完善步伐,明确监管部门及监管职责,共同维护学生的合法权益,助力学生的健康茁壮成长。