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大学生不良校园贷现象的分析与思考
李祥祥1,李万银2,汤娜1
(1.安徽建筑大学 党委学生工作部,安徽 合肥 230000;2.安徽建筑大学 党委宣传部,安徽 合肥 230000)
摘要:
不良校园贷是互联网金融异化发展的结果。不良校园贷对青年大学生产生的危害表现在暴力催收挫伤学生身心健康、巨额偿款酿成极端家庭悲剧、隐私泄露破坏学生人际交往、低俗宣传腐蚀大学生的思想。不良校园贷现象的生成与现代网络技术的流弊、大学生消费观的嬗变、高校治理的脆弱密不可分。健全校园联动机制、加强信贷企业行业自律、普及全民金融教育是摆脱个体不幸和家庭悲剧的理性之道。
关键词:  不良校园贷  大学生  消费
DOI:10.13216/j.cnki.upcjess.2017.04.0018
分类号:G641
基金项目:安徽省高等教育振兴计划弘扬社会主义核心价值观辅导员名师工作室项目(2014FDYMSGZS011);安徽建筑大学学生工作研究项目(201617AJDXGXM05)
Analysis and Reflection on the Phenomenon of Bad School Credit in College Students
LI Xiangxiang1, LI Wanyin2, TANG Na1
(1.Student Affairs Office, Anhui University of Architecture, Hefei, Anhui 230000, China;2.Propaganda Department, Anhui University of Architecture, Hefei, Anhui 230000, China)
Abstract:
Bad school loan is the result of the development of internet financial alienation. It has the following hazards to young college students:violent collection contuses students physical and mental health; huge compensation leads to extreme family tragedy; privacy disclosure damages interpersonal communication of students; vulgar propaganda corrodes thinking of college students. The formation of phenomenon on bad school loan is related to the abuse of modern network technology, the change of college students consumption concepts, the fragility of university governance. The rational ways to get rid of individual misfortune and family tragedy include strengthening of the campus linkage mechanism, strengthening self-discipline of the credit enterprise industry , popularizing universal financial education.
Key words:  bad school credit  college students  consumption