Research On The Current Situation And Countermeasures Of Campus Loan Management In Universities

As the Internet in recent years one of the most dramatic development of products in the financial,campus credit got the attention of more and more widely,arbitrary a college student,as long as the experience to complete the online personal data submitted,a simple review,several steps such as paying fees,can be in a very short period of time very easily to get a credit loan.Yet,there is some bad network credit quietly exist,they hide under a confusing great coat,with convenient application,simple operation procedures,the characteristics of the loan quickly pride and try to attract the attention of college students,once you have started the first lending through it,in a short period of time payment balance will be like a snowball from several thousand yuan to tens of thousands or even hundreds of thousands of yuan.Low threshold of borrowing,induced excessive consumption for college students,not for any lender's important to protect personal information,and even threaten borrowers,lending to harass people and their relatives and friends around,lenders published nude overdue loans and other illegal ways,eventually,such a dun violence led to the departure of college students and even suicide,such as the extreme consequences,thus "borrowed" campus constantly in the process of actual operation to the society,college,family,and I am a very bad impact college students.In this paper,the purpose and significance of the research are firstly expounded,and then the research methods and innovation points of this paper are summarized.On the basis of studying the development history of university "campus loan",this paper distinguishes and defines the concepts of university and "campus loan",and expounds the relevant theoretical basis of pluralistic governance.Then,it comprehensively expounds the current situation of "campus loan" in colleges and universities,and studies and discusses the necessity of "campus loan" management.On the basis of existing research,the author will himself during A working experience with graduate student at the university of professional research direction,the combination of "borrowed" campus in A university status,relevant measures and implementation present situation has carried on the comprehensive analysis and research,by focusing on the individual case analysis,to college students on the "borrowed" campus in A variety of wayssuch as questionnaire to collect objective data,on the basis of the analysis of the university students' consumption level,consumption patterns,collecting and reading A large number of literature at home and abroad,the understanding about the present situation of the "borrowed" campus,based on the existing research results on the profound summary and objective reference,Then fully combined with A university in the "campus loan" aspect of the actual situation,find out the college students network lending problems,but also actively understand other schools in the campus loan management aspects of some effective measures,finally for the school targeted to provide some practical methods and Suggestions.