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校园贷是网络贷款平台针对大中专学生开展的贷款业务。随着网络技术的发展和大学生日益膨胀的投资理财需求,校园贷成为近年来P2P金融发展最快的产品,但是快速的发展背后也伴随着诸多问题。本文通过对国内校园贷现状的浅层分析,对比美国最成功的校园贷款平台Social Finance的成功经营模式与体系,深入了解校园贷运行利弊,为国内尚未成熟的P2P校园贷提出一些合理化建议。
Campus loan is a loan platform for online loan platform for college students. With the development of network technology and the growing demand for investment and financial management of undergraduates, the campus loan has become the fastest-growing P2P financial product in recent years. However, the rapid development is accompanied by many problems. Based on the shallow analysis of the status quo of campus loans in China, this article compares the successful management model and system of Social Finance, the most successful campus loan platform in the United States, and deeply understands the pros and cons of campus loans and puts forward some reasonable proposals for the immature P2P campus loans in China.