[摘 要]2017年发布的《关于进一步加强校园贷管理规范的通知》，明确要求网贷机构暂停开展一切校园贷业务，并鼓励商业银行进入校园贷市场，满足大学生的借贷需求，从而净化校园贷市场。通知发布已经两年多，但是大多数商业银行并未积极响应，其重要原因是商业银行在开展该项业务过程中遇到了诸多阻碍。通过“贷前”“贷中”“贷后”三个阶段分别分析商业银行进入校园贷市场的阻碍因素，为监管机构及商业银行采取针对性措施解决各项实际阻碍、促进商业银行进入校园贷市场提供参考，为实现校园贷市场的治理及金融普惠的目标提供帮助。

[关键词]校园贷;商业银行;风险防控;金融普惠

[中图分类号]F8324

[文献标识码]A

[文章编号]2095-3283（2019）04-0070-04

Abstract： The Notice on Further Strengthening the Management standards of loan for undergraduate issued in 2017 clearly requires online loan institutions to suspend all loan for undergraduate business development， and encourage commercial banks to enter the loan for undergraduate market to meet the loan needs of college students， thereby purifying the loan for undergraduate market. The notice has been released for 2 years， but a large number of commercial banks have not responded positively. The actual reason for the loan for undergraduate business is that commercial banks have encountered many obstacles in carrying out this business. This article will analyze the obstacles that commercial banks enter the loan for undergraduate market into three stages： “pre-loan”， “loaning” and “post-loaning”， To provide references for regulators and commercial banks adopting targeted measures to solve actual obstacles， and accelerating commercial bank to enter the loan for undergraduate market， provide help to achieve the goal of governance and preferential financial in the loan for undergraduate market.

Keywords： ALoan for Undergraduate; Commercial Banks; Risk Prevention and Control; Preferential Financial

[作者簡介]马鹏博（1997-），男，汉族，本科生，研究方向：法学。

[基金项目]内蒙古大学国家级大学生创新创业训练计划阶段性成果（项目编号：201810126014），指导老师：丁文英教授。

2013年起，我国P2P金融获得飞速发展。与此同时，一些网贷平台敏锐地发现了大学生群体所具有的市场潜力，积极发展校园网贷业务。相关调研报告显示，有877%的大学生将贷款作为自己的资金获取渠道[1];全国61%的大学生支持分期付款消费或网贷消费[2]。另一方面，校园贷作为P2P金融的细分产品，其本身具有交易便捷、成本较低、门槛较低、推广便利等优点，契合了市场的需求。此外，在校园贷产生发展之初，相应监管尚未就位，政策环境宽松。在这些因素的综合作用下，校园贷在全国迅速发展起来。……