試論大學生金融風險防范意識的培養

摘? 要：現代信息技術以及移動傳媒的迅速發展與應用普及使得各種線上金融產品不斷涌現，在各大高等院校廣泛流行的“校園貸”系列產品就是其中之一，大學生喜歡嘗試新鮮事物，而網上金融又可以在一定程度上滿足他們的資金使用需求。所以近年來校園貸在大學生群體當中具有很大的市場，但引起人們關注的是一些不規范的貸款形式比如“裸貸”等，一些不法分子利用大學生缺乏社會經驗、沒有防范意識這一現實情況，通過環環設計謀取自身不當利益，嚴重擾亂了正常金融秩序，甚至導致很多犯罪行為。所以，高等院校以及社會其他機構要對大學生進行正確的引導，幫助他們理想消費，提升他們關于金融方面的認知，進而能夠應對各種金融風險。

關鍵詞：大學生? 金融風險? 風險防范? 意識? 培養

中圖分類號：F830? ? ? ? ? ? ? ? ? ? ? ? ? ? ?文獻標識碼：A? ? ? ? ? ? ? ? ? ? 文章編號：1672-3791（2021）11（c）-0245-03

On the Cultivation of College Students' Awareness of Financial Risk Prevention

HUAI Lulu

（Changchun Financial College， Changchun， Jilin Province， 130028 China）

Abstract： With the rapid development and popularization of modern information technology and mobile media， a variety of online financial products are constantly emerging. The "campus loan" series products， which are widely popular in colleges and universities， are one of them. College students like to try new things， and online finance can meet their capital needs to a certain extent. Therefore， in recent years， campus loan has a large market among college students， but what attracts people's attention is some non-standard loan forms， such as "naked loan". Some lawbreakers take advantage of the fact that college students lack social experience and have no awareness of prevention to seek their own improper interests through environmental design， which seriously disrupts the normal financial order and even leads to many crimes Criminal act. Therefore， colleges and universities and other social institutions should give correct guidance to college students， help them to ideal consumption， improve their financial awareness， and then be able to deal with various financial risks.

Key Words： College students; Financial risk; Risk prevention; Awareness; Training

各種流行的事物都受到大學生的普遍關注，比如各種時尚的元素都可以在大學群體里面實現迅速發展與普及。當前除了傳統的金融從業單位為社會提供融資服務之外，其他一些單位或者主體比如騰訊、支付寶等也在大范圍開展全方位的金融服務，比較突出的有微信支付、支付寶理財，還有各種諸如花唄、借唄之類的融資手段，不可否認，這些豐富多彩的融資方式在很大程度上促進了金融行業更加市場化，在市場占有方面，尤其受到各種低收入群體的關注，比如大學生群體對各類分期付款的使用頻率非常高。……