Analysis On The Value Orientation And Education Guidance Of Bad Network Loans For Higher Vocational College Students

In recent years,the bad network loan is an important problem with strong latent,destructive and extensive coverage in colleges and universities in our country.Since 2015,vicious campus incidents due to bad Internet loans have been emerging in an endless stream.Especially in higher vocational colleges,many college students are unable to repay their debts due to their bad network loans,which has a great impact on their studies and lives.In May 2016,the General Office of the Ministry of Education and the General Office of the China Banking Regulatory Commission issued a notice which called On Strengthening the Risk Prevention and Education Guidance Work of Campus Bad Network Loan in order to curb the bad network loans in colleges and universities in official form.Therefore,under the background of the rapid economic development of our country,for college students are the reserve force of the young generation of national talents,in order to reshape the healthy campus life and study environment of college students,the government must make great efforts to solve the toxic tumor of the bad network loan in the campus.This article which takes the higher vocational college as the research breakthrough point,synthetically utilizes the ideological and political education theory and the psychology theory as well as my counselor's work experience and deeply analyzes the actual situation of bad network loans in higher vocational colleges basing on the detailed empirical interview and the questionnaire data.By using the methods of literature,interview and questionnaire,this paper discusses from five aspects:The first part is an introduction to the background,theoretical and practical significance of the study of bad online lending.It briefly describes the background,theoretical and practical significance of research on bad Internet lending,briefly reviews the research status and existing problems both at home and abroad,and summarizes the concept of bad internet lending.Through the empirical investigation data and interview record,the second part carries on the contrast analysis to basic situation about group or the individual of the loan borrower and the promoters in non-performing network lending.It analyzes the status and difference of years,grades,subjects,etc.Under the data analysis of the investigation,taking the borrower and the campus student agent as the two main bodies,in order to form the clue for the later education guidance,the third part dialysis the value orientation of higher vocational college students which was reflected in the process of promotion and use of non-performing network loans.Moreover,to get to the root of the source and provide an effective clue to curb bad online lending,it also deeply analyzes the inducement that causes college students ' value-concept of participating in bad network loan.In the forth part,taking the ideological and political education of college students as the foothold,the author puts forward the educational guidance measures on how to guide the wrong value orientation of college students with bad network loans.The fifth part is the conclusion which summarize the full text and look forward to the post-order research.