Research On Micro Consumption Loans For The New Generation Of College Students

As an important consumer groups, College students has a strong desire to consume. Internet Finance meet their needs well. Although the College Students’ consumption market is promoted by micro consumption loans for its features of convenient and easy to operat, it takes risks for the new generation of college students’consumption concept, the platform and related regulations and so on. The risk of this market has been concerned by existing research at home and abroad not carefully. Therefore, this research has certain practical significance.Through questionairs about online consumption of college students in Hangzhou and consumption loans launched by Changshan County Rural Credit Cooperatives, we make scientific analyses on the healthy development of micro consumption loans used for the new generation of college students, discussing the advantages and disadvantages of the current micro consumption loans, and the opportunities and problems encountered in the development, based on the SWOT analysis. Then development performance and existing problems of micro consumption loans used for the new generation of college students are discueeed from the aspects of supply and demand. Finally, this paper presents some policy suggestions, based on the above problem. For example, making the products of online consumption transparent, Strengthening audit procedures of micro consumption loans, letting the consumption loans used for college students unified into the central bank personal credit system, increasing education of financial and network security knowledg and soon.