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提高对不良网贷的“免疫力”

2017-08-09 07:32:24   中国青年网

近几年,校园不良网贷已经形成不可忽视的一股“浊流”,侵蚀着一些大学生的校园生活。面对不良网贷的严重危害,除了高校和教育主管部门及金融监管部门、公安机关要多措并举、严加防范以外,大学生群体也应增强自身对于不良网贷的“免疫力”。

大学生应树立正确的消费观。截至目前,无论是国家相关部门,还是各个高校,已经有不少帮助家庭经济困难学生的政策和举措。比如,助学贷款可解决学费、住宿费问题,各个层面的助学金能解决其生活费问题,有临时困难补助解决其突发临时困难问题,还有勤工助学等方式帮助解决其生活补助问题。个别大学生陷入不良网贷,很大程度上在于满足享受型消费需求。大学生首先要树立正确的消费观,自觉抵制不良网贷的诱惑。

大学生应提高金融知识素养。一些大学生身陷不良网贷而不能自拔,一个重要原因就是金融知识素养不够,不清楚不良网贷的高利贷性质。在超前消费、过度消费和从众消费等错误的消费观念牵引下,少数大学生或攀比、或炫耀、或盲从,上了不良网贷的“贼船”。统计表明,2016年面向大学生的互联网消费信贷规模突破了800亿元,而在2015年这一规模才260亿元。大学生只有提升自己的金融知识素养,才能提升对网贷业务的鉴别能力。

大学生还应提升自身法律素养。个别大学生在身陷不良网贷、遭遇非法方式逼债后,没有寻求学校的帮助和法律的援助,而是走上了绝路,着实令人唏嘘。实际上,少数大学生踏入不良网贷的“雷区”,法律不会对这种情况袖手旁观。当大学生自身权益遭受损害时,应该报告家长,并联系学校和老师,该报警时要果断向公安部门报警。大学生只有不断提升自身的法律素养,才能更好维护人身和财产安全。

提升上述四种素养,增强自身“免疫力”,可为大学生的正常生活学习编织一张“安全网”,远离不良网贷的危害。

(作者系甘肃省中国特色社会主义理论体系研究中心特约研究员)

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