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方兴未艾的网络贷款正瞄准大学校园市场。记者在西安多所大专院校走访发现,在互联网时代成长起来的当代大学生,对网络贷款的接受度较高,对其潜在风险却知之甚少。部分在校大学生因网络信贷产生非理性消费行为,甚至落入高息贷款的陷阱。有学者建议,在对网络信贷平台加强监管的同时,还应加强对大学生基础金融知识的教育,培养学生的“财商”。大学生只有掌握基本的金融知识、重视个人信用,才能不被一时的消费冲动冲昏头脑。
An uplifting online loan is targeting the university campus market. Reporters visited a number of tertiary institutions in Xi’an found that contemporary college students who grew up in the Internet age have a relatively high level of acceptance of online loans and little knowledge of their potential risks. Some college students have irrational consumer behavior due to internet credit and even fall into the trap of high-interest loans. Some scholars suggest that while strengthening the supervision over the network credit platform, we should also strengthen the education of college students’ basic financial knowledge and cultivate the students “financial business ”. Only by mastering the basic financial knowledge of college students, attach importance to personal credit, can not be temporarily impulsive consumer fainting.