"校园贷"是一个横跨"在场空间"与"缺场空间"的"跨界性"问题,以风险社会理论为视角进行分析,可有效地贯通网上、网下两个空间的情境性区隔,是从整体上对其进行解读的理想选择。它的异变主要涉及社会急剧转型、网络技术发展及大学生群体结构三个风险源:社会转型过程中风险的无序释放是催生"校园贷"问题的现实动因,网络技术的风险特征是催生"校园贷"问题的潜在根源,大学生群体消费欲望强而财商低的结构特点是催生"校园贷"问题的重要因素。防范"校园贷"风险的关键在于建构政府主导、社会参与、个体自省的风险应对共同体,以减少各类风险发生交叠、共振的频率。

"Campus loan" is a "cross-border" problem. The analysis from the perspective of risk society theory, can effectively link up the two segment of online and offline space which is the ideal choice for the overall interpretation. It changes, mainly related to three sources of risk: the social transformation, the development of network technology and the population structure of students. The risk disorderly released in the process of social transformation is the realistic factor, the risk of network technology is the potential factor, and the character of strong desire for consumption but low FQ in students is an important factor. The key to guard against the risk of "campus loan" is to construct a risk response community with government leading, social participation and individual introspection, so as to reduce the frequency of overlapping and resonance of all kinds of risks.