Research on the Countermeasures Against the Consumption Risks of College Students Based on the Campus Loan Platform

Abstract

In recent years, online credit platforms have emerged one after another. With the continuous development of China’s "Internet +", the Internet finance industry has shown explosive growth, and P2P peer-to-peer loans have emerged. Some peer-to-peer credit platforms have expanded their business to universities, targeting college students with high consumer demand and little social experience, which has seriously affected the study and life of college students and brought serious negative impacts to society. Universities must strengthen the risk management of "campus loans" and take effective preventive measures. The risks of campus loans include loan risks, guarantee risks, default risks, etc. The causes of these risks are the lack of legal and financial knowledge of college students, the deviation of consumption concepts, and the publicity and risk assessment errors of campus loans. Through an in-depth analysis of the risks of college students’ campus loans, this article puts forward feasible preventive measures that are conducive to ensuring the personal and property safety of college students.