高校学生网络借款风险生成路径、机理及控制

发布时间：2018-05-01 11:16

本文选题：高校学生 + 网络借款风险　；参考：《财会通讯》2017年32期

【摘要】：校园借贷问题已引起监管部门及媒体的高度关注。本文针对高校学生这一特殊借款群体,在调查问卷的基础上揭示出学生参与网络借款的现状,并依据"为什么会借"——"为什么不还"这一逻辑路径,研究发现:在借款阶段,学生自身能力约束、正规金融的融资约束、网贷平台的逆向选择和监管部门漏洞造成高信用风险、低偿债能力的学生获得了网络借款;在还款阶段,收入机制、成本机制、声誉机制和法律机制的作用有限,进一步导致了学生的违约行为。本文据此针对网络借贷各方提出相应的风险控制策略。
[Abstract]:The issue of campus lending has attracted high attention from regulators and the media. Aiming at the special loan group of college students, this paper reveals the current situation of students' participation in network borrowing on the basis of the questionnaire, and according to the logical path of "Why borrow"-"Why not pay it back"? The study found that: in the borrowing stage, students' own ability constraints, formal financial financing constraints, the adverse selection of network lending platform and regulatory loopholes caused high credit risk, low solvency of students to obtain network loans; in the repayment stage, The effect of income mechanism, cost mechanism, reputation mechanism and legal mechanism is limited, which leads to students' breach of contract. According to this, this paper puts forward the corresponding risk control strategy for the network lending parties.
【作者单位】：中南财经政法大学会计学院;西南大学经济管理学院;
【基金】：重庆市社会科学规划项目“高校学生网络借贷风险及其控制研究”(项目编号:2016QNSH17) 西南大学中央高校基本业务费项目(项目编号:SWU1609153、SWU1509506)阶段性研究成果
【分类号】：F832.4;G645.5

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