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随着居民消费水平的不断提高,传统的消费观念逐渐向信用消费、超前消费转变,尤其是在新生代学生群体巨大的消费需求和资金需求的带动下,校园金融逐渐成为消费升级的新热点和经济增长的新动力。然而,当前校园金融市场存在着严重的供需不匹配的矛盾。传统金融机构的市场布局不足导致了学生资金渠道单一,而现有平台和产品缺乏创新的局限性又使得校园金融模式发展缓慢。因此,探索创新型校园金融发展模式对于促进消费经济增长意义重大。
With the continuous improvement of residents’ consumption level, traditional consumption concepts gradually shift to credit consumption and advance consumption, especially under the huge consumer demand and capital demand of the new generation of student groups. Campus finance has gradually become a new hot spot in consumer upgrading. New impetus to economic growth. However, there is a serious contradiction between supply and demand in the current campus financial market. The lack of market layout of traditional financial institutions leads to a single funding channel for students. However, the lack of innovation in existing platforms and products makes the development of campus financial models slow. Therefore, exploring the innovative campus financial development model is of great significance to promoting the growth of consumer economy.