A Study On The Consumption Behavior And Psychology Of College Students' Network Loan

Consumption is able to meet people's needs of life and development,is the basic activities of people's daily lives.In recent years,with the continuous development of Internet finance,campus network credit loans are also well known by college students.The study suggests that the campus network loan from a certain extent began to affect the daily consumption habits and consumer behavior,college students in the group cannot use credit card spending and other restrictive factors,the campus network loan to solve the college students desire to consume and lack of funds Of the contradiction,from the side to stimulate the consumption potential of college students,making the campus network loan between the university campus has a certain living space.There is no income from the economic source of the university students.The source of the funds is mainly dependent on the supply of the family.The singleness of the source of funds also limits the spending power of the college students.At the same time,the university students' ability to use the funds is limited and cannot fully assess the risks arising from the borrowing,which will lead to irrational consumption and the level of university credit assessment of the consequences of decline,so for those who have not yet entered the community for college students,the author of college students on campus network loan has important practical significance.In this study,from the perspective of the consumption of campus network loan,from the perspective of this new point of view of college students in the consumer psychology and consumer behavior caused by the problem of irrational consumption.In addition,this article from the consumer sociology,consumer semiotics,human consumption and other interdisciplinary theory to start using the literature,questionnaires,case interviews and other analysis of the University of Yunnan University students as a sample study group of net loan consumption The status quo,the consumption characteristics and the influencing factors,etc.,obtained the level and scale of college students' net loan consumption in Yunnan University.The final results show that college students in Yunnan University net consumption does not account for the mainstream of campus consumption,but indeed in real life is more obvious impact on the consumption of college students,campus network loans to the life of college students has brought convenience.The results show that some students show a more obvious tendency toward consumerism,they cannot clearly understand their actual needs,facing a variety of high consumption of the "temptation" did not show a clear denial of attitude,which is the lack of consumer values education Kind of performance,but also college students outlook on life and value of the important imbalance,the institutions of higher learning should strengthen the students' correct outlook on life,values,consumer education and risk education.Building and guiding the campus reasonable,ecological,simple consumer values,so that students establish a scientific concept of consumption,and the consumption trend of the whole society play a positive role in leading,which has a very important practical significance and far-reaching impact effect.