大学生消费信贷存在的风险与对策研究.docxVIP

大学生消费信贷存在的风险与对策研究 摘要：大学生是消费主体中不可缺少的组成部分，成为各种借贷平台关注的重点对象，推出的信贷产品也是五花八门。虽然大学生对于消费有着极大的需求，但其缺乏丰厚的经济来源和、成体系的生活经验和道德法律意识等不利因素，因此在面对这群特殊的群体时，消费信贷业务也充分暴露着风险。各大信贷平台在面临机遇的同时，不可避免将迎来巨大风险挑战。 因此本文将以大学生这个群体在消费信贷市场为角度，基于当前大学生消费信贷市场发展状况，以个人消费风险为理论，探讨大学生消费信贷存在的风险：（1）信用风险（2）操作风险（3）大数据运用不完善（4）经营管理风险 根据存在的风险，对防范大学生消费信贷风险提出几点建议：（1）加强学生诚信意识。（2）完善内部管理，严格放贷程序。（3）加强资金流向监控。（4）完善大学生征信系统。（5）学生信贷资产证券化 关键词：大学生；消费信贷；风险  Research on the risks and countermeasures of college students consumption credit Abstract：college students as an important part of the main consumer,become the focus of a variety of lending platform attention,the launch of credit products are also multifarious.Although college students are in a more robust consumer demand stage,but the lack of a good economic source and,into a system of life experience and law consciousness of adverse factors,so in the face of this group of special groups,consumer credit business is fully exposed to the risk of major credit platform in the face of the opportunities at the same time,inevitably will have huge challenges. Therefore,this paper will take the group of college students in the consumer credit market as the perspective,link the current situation of college students credit consumption market,with the theory of personal consumption risk,to explore the existing risks of college students consumer credit:(1)credit risk(2)operational risk(3)imperfect big data application(4)experience management risk Some Suggestions are put forward for risk prevention:(1)to strengthen students awareness of integrity.(2)improve internal management and tighten lending procedures.(3)strengthening the monitoring of capital flow.(4)improve the credit information system for college students.(5)securitization of student credit assets Key words: college students, consumer credit, risk  目 录 TOC \o 1-2 \h \u 第1章 绪 论 6 1.1研究的背景和意义 6 1.2文献综述 7 1.3研究方法和内容 8 第2章 大学生消费信贷现状 9 2.1大学生信用卡发展状况 9 2.2互联网背景下大学生消费信贷发展状况 10 第3章 大学生消费信贷存在的风险 13 3.1信用风险 13