PAGEIII摘要随着金融时代的快速发展，“校园贷”从小部分高校蔓延到全国各大校园，随之暴露出来的问题也越来越严重，人们开始重视“校园贷”的问题。到目前为止，“校园贷”的发展逐渐进入正轨并慢慢被大众所接受。但接受的程度比较缓慢，“校园贷”借贷机制也存在一定的缺陷。本篇论文主要研究“校园贷”存在的问题及其解决方案，主要运用了问卷调查，资料整理的方式研究这个项目。调查问卷主要分两部分：一部分是是否了解并接触过“校园贷”？另一部分是接触过“校园贷”的主要是什么？主要通过对知网上的论文、期刊等进行阅读研究。本论文的创新点在于运用实际的数据调查站在大学生的角度分析问题解决“校园贷”的弊端，为“校园贷”的发展建设以及金融机构的监督管理提供一定的建议。本论文的结论表明：“校园贷”是有存在的必要，并且对大学生的好处多于弊端，而且只要通过加强对“校园贷”的监管、金融建设、大学生理财意识的培养，“校园贷”平台之间信用共享机制的建立就能很好的避免弊端。关键词：“校园贷”对策弊端ABSTRACTWiththerapiddevelopmentofthefinancialera,"campusloan"hasspreadfromasmallnumberofcollegesanduniversitiestomajorcampusesthroughoutthecountry,andtheproblemsexposedarebecomingmoreandmoreserious.Peoplebegintopayattentiontotheproblemof"campusloan".Sofar,thedevelopmentof"campusloan"isgraduallyontherighttrackandgraduallyacceptedbythepublic.,butthedegreeofacceptanceisrelativelyslow,"campusloan"lendingmechanismalsohassomedefects.Thispapermainlystudiestheexistingproblemsandsolutionsof"campusloan",mainlyusingquestionnairesurveyanddatacollectiontodiscussandstudythisproject.Thequestionnaireismainlydividedintotwoparts:oneiswhetheryouknowandhaveaccessto"campusloans"?TheotherpartiswhatarethemainUSESofcampusloans?ThemainwaytosortoutthedataistoreadthepapersandperiodicalsontheInternet.Theinnovationofthispaperliesinusingactualdatainvestigationandanalyzingproblemsfromtheperspectiveofcollegestudentstosolvethedrawbacksof"campusloan"andprovidesomeSuggestionsforthedevelopmentandconstructionof"campusloan"andthesupervisionandmanagementoffinancialinstitutions.Theconclusionofthispapershowthatthe"borrowed"campusisnecessarytoexist,andmoreadvantagesthandisadvantagesforcollegestudents,andaslongasbystrengtheningtheregulation"borrowed"campusandthestrengtheningoffinancialconstruction,thecultivationofcollegestudents'financialmanagement,"borrowed"campusplatformbetweentheestablishmentofamechanismofsharingcreditcanbeverygoodavoiddisadvantages.Keywords:"campusloan"countermeasuresabuse目录TOC\o"1-3"\h\uHYPERLINK\l"_Toc33601153"一、引言PAGER