Study On Non-performing Network Lending(NPNL) For College Students From The Perspective Of Ideological And Political Education

In recent years,as a new model of excessive consumption,the online loan has been used by more and more consumers due to its rapidity and convenience,As a large number of young people,college students have a high acceptance rate and utilization rate of online loans due to their age,economic strength,environment,and other factors.However,due to the incompleteness and non-standardization of online loans and the characteristics of college students,there are some undesirable problems in online loans for college students,which may bring economic burden to students and their families,or cause psychological problems of students,lead to extreme behaviors,and even threaten the campus environment and social stability and order.In recent years,the naked loan of college students and the suicide of online loans have been frequently reported,which has attracted wide attention from all walks of life.Literature research,questionnaire survey,and comprehensive research were used to analyze the harm and causes of college students' NPNL,and targeted suggestions and countermeasures under the guidance of ideological and political education theory were put forward,to establish the correct consumption values of college students.This paper is composed of four parts:In the first part,the background and significance of this research,the current research status at home and abroad,the applied research methods,and the innovation of this paper are expounded.The second part discusses the research theory involved in this paper.The meaning and type of network loan and college students' bad network loan were explained.This paper mainly expounds on Marxist alienation theory,Marxist consumption view,and socialist core values as the theoretical basis of this paper,and further guides the later corresponding countermeasures.In the third part,with the help of the collation and analysis of the questionnaire results,this paper discusses a series of harms such as the distortion of college students' values,the sudden increase of students' family economic pressure,the threat to campus environmental safety,and the impact on social order.At the same time,the reasons for the above problems are analyzed as follows:college students lack correct consumption concept and safety awareness.Some families and schools fail to guide the value education of college students.Relevant departments also lack the control of online loans.The fourth part,puts forward the corresponding countermeasures was put forward from the perspective of ideological and political education,including college students,family,school,and society.In the level of college students' self-education,it emphasizes the establishment of the correct consumption concept,the enhancement of credit cognition,and risk prevention consciousness.At the family level,we should attach importance to the communication between parents and children and the power of parents' consumption model.At the school level,approaches should be developed by creating a good campus cultural environment and strengthening the education of college students' concept of Internet consumption,integrity,and values.The school also gives full play to its role in education and cultivation.Norms and guidance should also not be ignored at the social level.Controlling over the online lending platform by government,the public opinion orientation of online media,and the overall consumption orientation of the society will all play an important role in solving the problem of college students' NPNL.