摘要
在回顾"校园贷"的成因、现状的基础上,运用复利计算方法,分析贷款利息和年化利率的计算方法,并针对"校园贷"的两种主要方式:分期付款和现金贷,分别举例计算其贷款利息和年化利率,指出年化利率的计算对识别贷款风险的必要性。最后,对"校园贷"的风险识别和防范提出了建议。
Based on the review of the reasons and current situations for“campus loan”,the calculation methods of loan interest and annualized interest rate are analyzed by using compound interest calculation method.Aiming at two main ways of“campus loan”including installment payment and cash loan,the interest and annualized interest rate are calculated respectively as two examples.The result shows the necessity of the calculation of annualized interest rate for the loan risk identification.Finally,the suggestions are given on the risk identification and prevention of“campus loan”.
作者
严浩云
YAN Haoyun(School of Business,Shanghai Dianji University,Shanghai 201306,China)
出处
《上海电机学院学报》
2021年第1期53-56,共4页
Journal of Shanghai Dianji University
关键词
复利
校园贷
风险识别
compound interest
campus loan
risk identification
