试析高校校园贷的现状及应对策略

摘要

随着针对在校大学生信用卡的停用后,校园贷开始兴起,风靡大学校园,但是部分网贷平台采取虚假宣传和降低门槛的方式吸引高校大学生,诱惑大学生超前消费,甚至校园贷已经造成了校园悲剧.因此,大学生应该充分认识了解校园贷的潜在风险,树立科学消费观,增强自我风险防范意识.%As for disabled college students credit card, campus loans began to rise, and swept the campus, but some net loan platforms take the false propaganda and the way to lower the threshold to attract college students, lure college students ahead of consumption, and even it has caused the campus tragedy. Therefore, college students should fully understand the potential risks of campus loan, set up the scientific view of consumption, and enhance their awareness of risk prevention.