Research On Countermeasures For College Students To Eliminate Illegal Campus Loan Consumption

In recent years,with the rapid development of the market economy,people's consumption level is also constantly improving,and the consumption pattern shows a trend of diversification.College students as one of the main forces of social consumption,consumption types are also following the trend of The Times.In order to meet the growing consumer demand of college students,campus loan came into being.At first,it was to help students with financial difficulties finish their studies,or to help students buy digital products needed for their study in installments,so as to relieve the financial pressure of students.But with the passage of time,the campus gradually changed its meaning,which some usury financial platform using bad consumption psychology of college students,for university students to "zero interest" and "unsecured" false propaganda,induced consumption of college students,so as to make college students into the maelstrom of illegal campus credit,on college students' learning,living and interpersonal very bad influence,happen around college students suicide "liabilities","I" tragedy,in the face of such campus tragedy,only to help college students to set up the correct consumption idea and to make the college students from the consequences of illegal loans caused by the campus.The author in full on the basis of literature review,mainly in the form of questionnaire and case interview,selection of Mu Danjiang Normal University undergraduate students as investigation objects,for college campus consumption loan problem focused investigation,comprehensive analysis of college students use the reasons behind this campus credit consumption.The results of the research show that some college students have bad consumption ideas in the use of campus loans,such as comparison and vanity,blindly following the trend,ignoring credit information and loving leisure.Behind the bad consumption behaviors of college students,there is an inseparable relationship between the consumption atmosphere of the society,the supervision of the government,the consumption concept education of colleges and universities,the cognition of families on children's consumption and the psychological problems of college students themselves.Therefore,this paper puts forward Suggestions from the five aspects of society,government,university,family and college students themselves to help college students eliminate illegal campus loan consumption: first,the mass media should be positive publicity,leading the new consumption trend;Second,the government should strengthen the supervision of the campus loan platform to protect the legitimate rights and interests of college students.Third,colleges and universities insist on cultivating people with morality and strengthen the education of college students' consumption view.Fourth,parents play the role of supervision,inheritance of good family style,guide children's health consumption;Fifthly,college students should improve their consciousness,balance their consumption needs,and form rational consumption concept with strict discipline.