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伴随着P2P网络借贷的兴起和发展,小额网络贷款也悄然走进了大学校园中,为学生的创业发展助力。然而,其引发的弊端也不容忽视。由于网络借贷自身业务范围不明晰、法律监管存在漏洞缺陷、信息易泄露、行业诈骗等缺陷,而在校生又缺乏相应的应对机制与策略。基于此,本文阐述P2P网络借贷的概念以特点,分析大学生P2P网络借贷存在风险及成因,并针对性的提出了几点管理对策。
With the rise and development of P2P network lending, small-net loans quietly walked into the university campus, helping students to start their own businesses. However, its drawbacks can not be ignored. Due to the unclear scope of its own business of online lending, there are loopholes in the legal supervision, the information is easily leaked, and the industry is fraudulent. However, the students lack the corresponding coping mechanisms and strategies. Based on this, this article elaborates the concept of P2P online lending, analyzes the risks and causes of P2P lending of college students, and puts forward some management strategies pertinently.