Research On Campus Loan From The Perspective Of University Governance

In recent years,the popularity of "campus loan" in our country has caused a lot of vicious incidents,such as violent reminders and student suicide,which has aroused great concern of the society.From 2016 to 2017,China issued regulations on campus loan,forbidding institutions established without the approval to provide loan services for students,which slowed down the trend of campus loan.However,since the second half of 2017,campus loan incidents have been exposed from time to time,There is a long way to go in the management of campus loan.Based on the current situation of campus loan in China,this paper uses the methods of literature analysis and social investigation,on the basis of development context,events and typical cases,sums up five main types of campus loan in China.And takes J University as an example to analyze the current situation of campus loan by questionnaire survey and in-depth interview.Combining qualitative and quantitative research,this paper systematically analyses campus loan,and puts forward suggestions for the campus loan’s management based on reality.The survey shows that most college students,represented by J University,have used Internet credit products,and have a neutral attitude towards campus credit products and advanced consumption.Many students do not have a clear understanding of the "campus loan".In terms of management,J University has a high degree of control over the campus loan.Students in J have low awareness of the development of campus loans in school,and have a negative attitude towards the university governance function.The problems of market,system and participants affect the development of campus loan,such as imperfect development of Internet financial market,absence of key system,characteristic of College students,difficulties in University governance and so on.With the results,this paper puts forward suggestions from the macro and micro levels for the governance.It suggests that we should pay attention to the legislation,market and supervision at the macro level,university governance and strengthening education at the micro level.Through the combination of macro and micro governance,we should crack down on bad loans from the root and channel,protect the benign online loans,promote a sustained and healthy financial environment,and build a stable and harmonious environment for the growth of College students.