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伴随网络借贷平台迅速发展,以“快速便捷、零门槛、无抵押”为特点,面向在校学生的小额贷款业务也随之兴起。校园贷款看似方便快捷,无抵押,分期还款压力小,但实则存在很多金融风险[1]。甚至,某些网贷平台宣传校园贷款不收利息,这看似给了大学生群体极大的优惠。但是,出现了“大学生贷款3万利滚利变70万”、“高校学生遭遇高利贷”、“放贷人强抢学生财物抵债”等事件[2]。因此,对于“校园贷”潜在的风险,大家务必要给予高度重视。
With the rapid development of the internet lending platform and the rapid and convenient, zero threshold and unsecured loans, the micro-loan business for students in schools is also on the rise. Campus loans appear to be quick and easy, unsecured, with little pressure on installments, but in reality there are many financial risks [1]. Even some credit lending platform to promote campus loans do not interest, it seems to give the college students a great deal of concessions. However, such problems as “college student loans 30000 Rollover 700,000 ”, “college loan sharks ”, “lending people to rob student property ” and other incidents [2]. Therefore, we must pay great attention to the potential risks of “campus loans.”