The Influence Of Online Loan Consumption On College Students' Consumption Outlook And Educational Research

With the development of Internet finance,a large number of online lending platforms for college students have emerged.The emergence of online lending platforms has filled the gap in the traditional banking system and provided convenience for college students.However,due to their own reasons and the loopholes in the operation and supervision of online loan platforms,many college students who have received loans are unable to repay the loan amount due to the loan consumption exceeding their own needs,thus causing adverse social impact.In the face of a series of social problems caused by campus online lending and consumption,the author attempts to conduct an in-depth investigation of college students' consumption views and consumption behaviors by means of questionnaires,so as to further understand the current situation of campus online lending platform and analyze its existing problems and causes.This paper aims at identifying the extreme harmfulness of campus loans,correcting the chaotic situation of campus network loans,and standardizing the healthy development of campus network loans.Also committed to guiding college students to develop a rational consumption,healthy consumption of good habits and ideas,and actively create a thrifty is still cheap,practice frugality ideas.In addition to the preface,this paper is mainly composed of four parts: first,from the concept of consumption through the western consumption theory,Marxism consumption theory,western Marxism school of consumption theory by comparison of the scientific concept of consumption;At the same time,using the logic of history to introduce the emergence and development of campus online lending platform.Secondly,a questionnaire is designed to introduce the structure of the test paper,the recovery of the test paper,and the basic information of the respondents.Thirdly,this paper analyzes the current situation,existing problems and causes of campus online loan consumption through questionnaires.Finally,this paper expounds the guiding path of college students' correct consumption concept from the aspects of building a high-quality campus network lending environment,improving school education,family education and college students' self-education.In the process of writing,this paper tries to combine the Marxism discipline vision,the hot issues existing in the current society and the consumption choice of college students in practice,to reflect,criticize and integrate the practical problems,so as to enrich the content structure of the paper.In terms of research methods,it pays attention to the internal connection between theoretical research and actual data.By sorting out and analyzing the questionnaire,it makes the writing of the article more targeted,so as to achieve better practice effect.In the content of the writing,pay attention to the horizontal comparison and vertical combing of consumption theory.As we all know,technological innovation has brought infinite convenience to our lives,but we should also realize that there are many risks behind these conveniences.As contemporary college students,we should not only take advantage of the convenience brought to our lives by online borrowing and consumption,but also be alert to the risks and crisis of credit consumption.It is believed that under the effect of the high-quality campus online lending platform,with the concerted efforts of school education,family education and college students' self-education,college students can set up a rational and healthy view of consumption.