Research On College Students' Internet Consumption Credit

Under the background of the rapid development of Internet technology,the traditional consumer finance sector is constantly changing,and Internet consumer finance has emerged and developed at a relatively fast pace.In 2013,China's first network staging platform for college students was launched.College students,as a relatively fast-moving group,actively participated in the Internet consumer finance market and became an important force in the development of the Internet consumer credit industry.There are no fixed income sources for college students,and there are many daily expenditure items.Since the bank suspended the college students' credit card business,the consumer demand of college students cannot be effectively met,and Internet consumer credit products provide practical and feasible solutions.In recent years,with the continuous expansion of China's colleges and universities,the number of college students continues to increase,and the campus consumer credit market still has ample room for development.However,while the Internet consumer credit of college students is developing rapidly,there are still many deficiencies in products and services.Over-consumption of college students,indefinite instalment rates,and imperfect risk control systems are issues that are urgently needed in the Internet consumer credit market.This article takes the rapid development of college students' Internet consumption credit as the starting point,introduces the meaning and characteristics of college students' Internet consumer credit,lists the five major types of internet consumer credit models currently in use,and conducts a survey on the development status of China's college students' Internet consumer credit market.A brief overview of the current developments in this market.I also took the form of a questionnaire and collected data on the use of Internet credit by some college students.I analyzed college students' knowledge of the Internet consumer credit products,usage habits,and loan conditions,and summarized the characteristics of college students' use of Internet consumer credit products;Combined with the conclusions of the survey questionnaires,the risks encountered by collegestudents in the current Internet consumer credit are analyzed.Based on the above analysis,this paper summarizes the major problems in the Internet credit of college students,gives relevant recommendations for the healthy and sustainable development of college students' Internet consumer credit,and points out that Internet consumer credit service providers should strengthen their sense of responsibility and provide standardized The Internet consumer credit service guides college students to establish a correct consumption concept and credit awareness in the business development promotion and promotes the healthy growth of the Internet consumer financial market.