摘要：消费信贷是改善消费倾向、促进经济增长和优化社会信贷结构的基本力量。校园贷款是消费贷款的一种形式。如果校园贷款能够合理使用，将对缓解学生的经济压力，解决创业困难起到重要作用。然而，校园贷款已经被许多犯罪分子使用，这给学生、校园和社会带来了许多问题。本文在对校园贷款进行分析的基础上，深入分析了校园贷款中各种问题产生的原因。然后从市场监管、完善政策法规、树立风险意识、提供法律援助四个方面提出了具体的解决办法。

 

关键词: 校园贷款; 融资; 解决方案

 

目 录

摘 要

Abstract

Contents

Chapter One: Introduction-1

1. Background-1

2. Research significance-1

3. Research plan-2

Chapter Two: Literature Review-3

1. Analysis of the reasons and countermeasures of campus loan problems in China-3

2. Comments-4

Chapter Three: The situation of Campus loans for College students in China-5

1. Definition of campus loan-5

2. Business types of campus loans-5

3. The consequences of bad campus loans-7

3.1 High interest rates-7

3.2 Bad consumption concept spread-8

3.3 Violent collection of loans-9

Chapter Four: The Causes of bad campus loans-11

1. Internal causes-11

1.1 The low entry threshold of Campus loan-11

1.2 strong appeal of Campus loan-11

1.3 The wide range of channels of Campus loans spread -13

2. External causes-14

2.1 The distorted money value of Chinese college students-14

2.2 Families fail to help college students develop a healthy financial value.-14

-2.3 Lack of campus related education………………………………..15

Chapter Five：Conclusions and suggestions-16

1. Conclusion-16

2. Recommendations-16

2.1 Strengthen the supervision of campus loans-16

2.2 Improve campus loan policies and regulations-17

2.3 Raise students' awareness of campus loans-18

2.4 Provide timely and effective legal assistance-19

References-20

Acknowledgement