Research On Risk Prevention And Management Mechanism Of Campus Loan

In recent years,campus loan institutions appear "routine loan" illegal operation behavior,which seriously infringes on the property safety of college students.The tragic events caused by the high interest of campus loans are thought-provoking,and the government departments are highly concerned about the development of the situation.The campus loan industry is chaotic,and the lending platform operates irregularities,and even economic or criminal acts occur,causing quite severe social problems.In order to guarantee the long-term and orderly development of campus loan industry,promote the physical and mental health of college students,and maintain a harmonious and stable teaching environment on campus,it is necessary to study the risk prevention and management mechanism of bad campus loan,as well as to adapt to the healthy development of inclusive finance industry.First of all,this paper comprehensively analyzes the real risks of bad campus loans from the three dimensions of students,schools and society.Secondly,the author elaborates the current situation of the risk prevention and management mechanism of campus loan from four aspects: the university student funding system,the supervision of financial departments,the intervention of government departments and the management of universities.Thirdly,this paper analyzes the problems existing in the current risk prevention and management mechanism of campus loans in China,including the lack of perfect credit investigation system for college students,imperfect laws and regulations mechanism,untimely administrative supervision,and imperfect education and management system for risk prevention of campus loans in colleges and universities.Fourthly,from the perspective of risk society theory,the risk prevention and management of bad campus loans are deeply discussed along the two paths of institutionalism and culturalism,and according to the behavior rules that risk governance follows,the risk prevention and management mechanism of campus loans is improved from the dimensions of cultural governance,collaborative governance,compound governance and scientific and technological governance.So,combine with the idea of risk society theory and risk aversion,this study from the build perfect early warning and prevention mechanism,supervision mechanism,the mechanism of college student credit system,legal mechanism and education mechanism five aspects such as comprehensive consideration,and puts forward the concrete multi-party participation to guard against credit risk prevention and management of the campus management mechanism.In order to further effectively prevent the risks of bad campus loans,it is of great significance to analyze the specific path of perfecting the risk prevention and management mechanism of campus loans.This paper mainly adopts the method of quantitative research.After fully understanding the risks of bad campus loans,based on the current situation and deficiencies of the risk prevention and management mechanism of campus loans,this paper studies the risk prevention and management mechanism of campus loans for college students as the main body.This study issued questionnaires to college students in Guangzhou.Based on the data obtained from the questionnaires,the Logistic regression analysis model was adopted.Stata13.0 software is used to analyze six factors of college students,such as gender,education level,monthly living surplus,risk perception of bad campus loans,personal credit awareness,and standard degree of inclusive finance industry.Analytical data is used to verify whether it affects college students’ choice of campus loans,and the influence degree of each factor is explained according to its influence coefficient.The results show that college students’ monthly living surplus,personal credit investigation awareness and the degree of norms of campus loan industry affect whether college students choose campus loan business.In addition,this paper conducted an in-depth investigation on college students’ views on campus loans and the reasons for choosing campus loans,and found that college students lack sufficient understanding of interest calculation,legal knowledge,financial knowledge and industry norms of campus loans.This survey fully recognizes the deficiencies of college students’ risk prevention ability of campus loans,which is of great significance to the establishment of the risk prevention and management mechanism of college students’ campus loans.