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Research On The Risk Prevention Of College Students' Bad Internet Lending From The Perspective Of Collaborative Governance

Posted on:2021-02-20Degree:MasterType:Thesis
Country:ChinaCandidate:X DongFull Text:PDF
GTID:2427330623965701Subject:Public administration
Abstract/Summary:PDF Full Text Request
In recent years,with the development of Internet finance,various online lendingplatforms have quietly entered the lives of college students.As a typical representative of online loan platforms,campus online loans are popular on university campuses,and there is a trend of flooding.The campus online loan is different from the traditional loan.It has the characteristics of strong pertinence,many varieties,low entry threshold,less procedures,fast loan,etc.It can meet the various consumer needs of college students.However,due to inadequate government supervision,undergraduates 'lack of involvement in the world,and low ability to identify risks,false campus loan publicity,violent collection,disguised usury,information leakage,and other violations have resulted in widespread violations of the law.attention.This thesis takes college students from some vocational colleges in JiangxiProvince as the survey object.Through a questionnaire survey of college students in some vocational colleges in Jiangxi Province,it was found that there are many reasons for the bad campus online loans of vocational college students.From the perspective of vocational college students,the main reasons are the academic burden of the vocational colleges,personal self-control ability,School management,employment pressure and other aspects are different from ordinary colleges and universities,which leads to vocational college students different from ordinary college students in terms of consumption concept and behavior.They like to be exposed to new things.They tend to be more advanced in terms of consumption concepts,diversify their consumption content,and lack rationality in their consumption structure.They focus on enjoying consumption such as material and leisure entertainment,and despise learning,development and spiritual and cultural consumption.The advancement of consumption concepts and behaviors has led some vocational college students to fall into the capital cravings.The phenomenon of advance consumption and borrowing consumption is becoming more and more common.As a result,economic disputes and safety problems of college students continue to occur,affecting the safety management of the school.Therefore,it is of great practical significance to carry out investigation and research on the situation of online lending of college students in vocational colleges.This paper uses literature research,questionnaire surveys,interviews and other methods to analyze and study the Internet consumption phenomena and behaviors of college students in some vocational colleges in Jiangxi Province.On the basis of combing the relevant literature and theories,the author determines the main problems and analysis framework of the research.Immediately afterwards,we conducted a study on the prevalent phenomenon of online lending by vocational college students to understand the basic situation of the research object.After that,combined with questionnaire surveys and interviews,empirical analysis and research were conducted on the phenomenon of online lending of college students in some vocational colleges in Jiangxi Province,and in-depth discussion and research on the problems and root causes of online lending of college students in vocational colleges.In this paper,the integration of risk prevention theory and collaborative governance theory is applied to the prevention of campus network loan risk in vocational colleges,and solutions are proposed from four aspects: government,society,school,and students themselves.The government should make efforts to improve the laws and regulations of campus network lending,strengthen the supervision of online loan platforms,severely crack down on illegal activities such as violent collection,and promote the healthy operation of the online loan market.Vocational college students themselves should establish a correct concept of consumption,raise awareness of risk prevention,and use campus internet loans on a reasonable basis.Parents and universities should strengthen their attention to college students,spread their financial knowledge in a timely manner,and provide psychological and legal assistance to victims of campus online loans in a timely manner.
Keywords/Search Tags:Vocational college, Bad online lending, Risk prevention, Student management
PDF Full Text Request
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