Study On The Problems And Countermeasures Of College Students' Campus Network Borrowing

In the era of Internet inclusive finance and the invasion of western hedonism,campus online lending is rapidly rising to meet the consumer needs of college students.However,due to various factors such as weak supervision by various government departments,irresponsible campus online lending platforms,lack of family education and distortion of college students' consumption concept,campus online lending provides great convenience for college students.At the same time usury and violent collection of negative events such as frequent exposure.The Chinese government,the Ministry of Education,the China banking regulatory commission and other relevant departments have repeatedly carried out rectification,But to little effect,There are still many bad campus online lending platforms that expand their lending business more stealthily in the name of training or part-time jobs,Triggered a number of campus online lending tragedy.The solution to the problem of campus network loan chaos must insist on treating not only the symptoms but also the root cause.This paper empirically analyzes the current situation and existing problems of college students' campus online borrowing and loan consumption through questionnaires.And analyze the reasons from the aspects of cultural background,government regulation,lending platform,family and school education and individual college students.This paper analyzes the significance of financial intelligence education in solving the problem of campus network borrowing.And targeted from the government,lending platforms,schools,families and college students to give countermeasures and Suggestions.In order to help college students to develop a correct and reasonable concept of consumption and financial management.This is also one of the important symbols of college students' quality cultivation.It is conduce to cultivate the talent that socialist market economy needs.