Study On The Credit Card Consumption Credit Of College Students

With the popularity of credit cards,the number of college students holding credit cards is increasing year by year.Due to the lack of knowledge about credit card and the poor risk awareness of college students,there are a series of credit card use problems.This paper takes the college students who have experience of using credit card as the survey object,through questionnaire survey and interview,to understand the motivation of college students to handle credit card,the use of credit card,repayment methods and bad records,to explore the credit risk of college students using credit card,and to analyze the causes of credit problems in college students' credit card consumption.College students deal with credit cards blindly because of irrational consumption;overdraft consumption beyond their ability to repay makes them unable to repay on time;they leave bad records because they do not keep their promises,which have an impact on their physical and mental health.This paper analyzes the causes of credit problems of college students in the consumption of credit cards by using the sociological methods such as differential patternand risk society,and points out that the main causes of credit problems of college students are the coming of risk society and irregular credit card industry,the lag of social trust system construction caused by rapid social transformation and the lack of credit education system.This paper puts forward suggestions to guide college students to set up correct consumption concept,strengthen credit education for college students and improve their credit cultivation,and strengthen credit education for college students from different angles from family,school and society.Family is one of the important environments for the growth of College Students' moral quality,and also the foundation stone of sincere education;colleges and universities should take the responsibility of educating college students to be honest,and introduce honesty education into the campus of the University;relevant social departments should also strengthen the guidance of relevant correct values,so that college students can understand the importance of honesty and trustworthiness to individual social development.College students should improve their own integrity level,constantly improve their awareness of integrity,and truly implement the integrity into life.