大学生网贷消费行为解构与抑制研究

大学生网贷消费属于法律允许的正常社会行为,无所谓对错,但引导不力、管控不严容易引发诸多问题.研究发现:大学生网贷消费行为产生的主要因素有网贷优势的诱惑、消费观念的错位和网贷认知意识不足三方面.而监管部门应重视校园网贷风控体系建设、高校应加强学生思想意识教育,树立科学的消费观念,加强内外结合管理,严控借贷双方非正常联系则是高校抑制和管理大学生网贷消费行为的有效措施.

On the Deconstruction and Inhibition of College Students` Online Credit Consumption Behavior

College students` online credit consumption is a normal social behavior permitted by law, and there is no right or wrong about it.But poor guidance and lax control may result in a lot of problems.This study shows that the main factors promoting college students` online credit consumption behavior are temptation of online credit, misplacement of consumption concept and lack of cognitive awareness of online credit.The supervision department should attach enough attention to the construction of a risk control system of campus network credit, and universities should strengthen students` ideological education, help them to establish a scientific consumption concept, improve internal and external management, and strictly control the abnormal relationship between the debtor and the creditor, which will be effective measures to restrain and manage college students` online credit consumption behavior.