Research On Credit Risk Control Of College Students' Internet Consumer Finance

The current Internet is very convenient for people's lives.The integration of the Internet and finance generate a new financial service,Internet consumer finance which has the advantages of fast and convenient compared with traditional financial methods.So it is favored college students who are regarded as one of their important customer groups by institutions and platforms providing Internet consumer financial services.However,college students breach the contract in Internet consumption frequently,causing losses to not only the college students but also the institutions and platforms that provide services,exposing the credit risk of college students' Internet consumer finance that cannot be ignored.Therefore,it has certain practical significance for our country's Internet consumer finance research to find out the causes of credit risk based on the actual situation in which college students enjoy Internet financial services,and targeted countermeasures and suggestions for the control of credit risk are proposed.In this paper,Internet consumer finance for college students is selected as the research object its relevant basic theories,development history and current situation are expounded,then its characteristics and common types of credit risks are analysed,and three models of credit risk points are found out.The specific causes of credit risk are analyzed through questionnaires: Firstly,college students' consumption concepts and psychological factors;Secondly,the platform evaluation system is not sound,and the risk control system is not perfect;Thirdly,there is a lack of corresponding laws and regulations.In response to the above problems,we propose feasible and operable countermeasures and suggestions correspondingly.Firstly,we should help college students establish correct value and consumption concepts by strengthening the education and publicity;Secondly,we should improve the platform evaluation system,improve the risk control system and promote exchanges and cooperation between platforms;Finally,we should establish a sound credit system,laws,regulations,and supervision system.In short,we provide effective countermeasures and suggestions to control the credit risks of college students' Internet consumption finance through multiple perspectives.