聂攀科　周腾飞

摘要：随着移动终端智能化水平不断提升，网络借贷正以其独特的优势迅猛发展，更多的网络借贷平台开始把目光瞄向了高校金融市场。作为新兴互联网金融模式校园借贷满足了用户的实际需求，同时也因行业监管不严、大学生盲目消费带来了诸多安全隐患。课题以郑州市高校为调研区域，立足于互联网金融的研究背景通过问卷调查和访谈的形式对高校大学生网络借贷现状进行分析，继而深入剖析大学生网络借贷存在的风险并透析其原因，最后从金融行业、高校教育、家庭教育、自我教育四个方面提出应对大学生网络借贷风险的策略。

关键词：互联网金融；校园网络借贷；风险及对策

Research on The Current Situation，Risks，and Countermeasures of Undergraduate Online Lending Under the Background of Internet Finance——Taking Universities in Zhengzhou for Example

Abstract：With the continuous improvement of intelligent level of mobile terminals，online lending is developing rapidly because of its unique advantages，and more online lending platforms begin to focus on the financial market of universities. As a new internet financial model，campus online lending meets the users needs，but it brings many security risks because of loose industrial regulation and blind consumption behaviors of college students. This paper chooses two forms of questionnaires and interviews，then analyzes the current situation，risks，and countermeasures of undergraduate online lending under the background of internet finance taking universities in Zhengzhou an respondents. Finally，this paper puts forward strategies to deal with college students online lending risks from aspects：financial industry，university education，family education and self education.

Keywords：internet finance；campus online lending；risks and countermeasures

習近平总书记在十九大会议中指出：“我国社会的主要矛盾已经转化为人民日益增长的美好生活需要和不平衡不充分的发展之间的矛盾”。从金融领域来讲，当前的主要矛盾就是人民群众和市场主体对金融服务的更高需求和金融发展不平衡、不充分的矛盾，而惠普金融是解决此矛盾的有力工具。随着移动终端智能化水平的不断提升，互联网金融在“普惠金融”政策的影响下迅猛发展，作为互联网金融的一部分——网络借贷正以其独特的优势如雨后春笋般涌现，而高校金融市场受到很多网络借贷平台的“宠幸”。作为新兴互联网金融模式校园借贷满足了用户的实际需求，同时也因监管不严、盲目消费带来了诸多安全隐患。……