A Study Of The Consumption Of College Students' Campus Online Loans

Rapidly due to the development of the Internet makes the whole consumption pattern,great changes have taken place for college students,they never leave home can buy many things they want to buy,it is because of this kind of purchase convenience,increased the college students' consumption in an instant,university students overall consumption demand is higher and higher,but the mode of their income is almost zero,so the net credit consumption phenomenon began to appear.Campus loans is the product of scientific and technological progress,on the one hand,to some extent compensate for the current college students' money is tight and the problem of capital turnover,making college students has a convenient way of loan repayment condition,and can alleviate facing one of most of the students in the school and capital cost of living,also can help college students better to put their energy focused on schoolwork instead of;But,on the other hand also led to the college students is not a correct concept of consumption and consumer behavior,make into some college students cannot get rid of the charge,due to the widespread increase,the audience began to a number of university students at the time of borrowing and does not take into account their repayment ability and cost reimbursement,appear late phenomenon,thus causing the college students will not only delay their studies and cause economic loss and personal reputation,but also can harm the body health,moreover will endanger life safety,social harmfulness is extremely high,influence the stable development of the society.For this,this article selected topic,from the perspective of the campus network consumption credit problems in the current college students,the key to ant credit pay consumption problems,for example,on the consumption alienation theory,consumption psychology and consumer behavior theory as the foundation of study,USES the questionnaire survey and case analysis method combined with the research methods,tries to study college students' consumption psychology and consumption behavior level,to explore college campus network consumption loan problem reason,for the behavior of college students in the face of the campus net credit to provide the corresponding countermeasures.This paper is divided into five parts.The first part is mainly about the background,significance and research status at home and abroad.The second part is mainly to definethe theoretical basis and related concepts to provide theoretical support for the study of this paper.The third part is mainly about the current situation of campus network loan for college students.The fourth part is through the questionnaire survey method and the case analysis method to the campus network loan consumption characteristics of college students to summarize and analyze the influencing factors.Finally,from the university students themselves,school,government and family four aspects to explore the campus network loan consumption problem countermeasures.It aims to make college students realize the potential dangers of campus online loans and then establish a correct concept of consumption.