A Study On The Risk Of Campus Online Lending In Colleges And The Corresponding Prevention And Control

The Proposal of the Central Committee of the Communist Party of China on Formulating the Thirteenth Five-Year Plan for National Economic and Social Development released on November 3th,2015 included Internet Finance in the national five-year plan recommendations for the first time and lent impetus to the rapid and stable development of China’s economy.As an important part of Internet finance,as an emerging financial business,under the influence of the country’s inclusive financial policy,campus online lending has swept through major universities and colleges due to its low threshold,fast loan disbursement,convenience and efficiency,been favored by the majority of college students and met the financial consumption needs of college students.However,in the process of campus online lending development,in order to occupy larger market,some online lending platforms have tricked university students into campus online lending traps by significantly lowering the loan threshold,false advertising,craftily naming defrauding loans,and hiding charging items.Lack of awareness of the potential dangers of society,weak self-control ability,together with negative psychological effects such as mind of rivalry and vanity among colleges students have contributed to undesirable consequences such as excessive consumption,naked loans,and loan repayment with loans.The violent collection,naked collection and intimidation behind campus loans impose sever negative impacts on the physical and mental health of college students.For a long time,all kinds of negative news about campus online lending frequently appeared on the front-page headlines of major medias,which aroused strong concern of the whole society.The combined effect of these factors,including inadequate government supervision,inadequate awareness of risk prevention and control of college students,lack of consumption education in family,inadequate parent-child communication,weak lending risk awareness of college students,and strong consumer desire,led to the abnormal development of campus online lending.Based on the questionnaire on college students in Fujian Province,this paper analyzes the risks and risk causes of the current campus online lending at social dimension,university dimension,family dimension and individual dimension of students;under the combination of the effectiveness and existing problems of current campus online lending risk prevention and control,the guidance of Risk Society Theory,Public Governance Theory and Government Regulation Theory and the appliance of 4R Crisis Management Theory,this paper proposes to build a complete risk prevention and control system for campus online lending,by the implementation of measures,which will improve precaution mechanism,management mechanism,response mechanism and recovery mechanism of campus online lending,such as improving laws and regulations construction,strengthening supervision,enhancing crisis management capabilities,strengthening education and guidance for students,cultivating good family atmosphere,and building close home-school links.