Case Study On The Problem Of Unhealthy Internet Loans In Universities

With the rapid development of Internet Finance and the stop of College Students’ credit cards,a variety of campus network loan platforms quietly infiltrate into college students’ daily life.With the characteristics of strong pertinence,low threshold of application and simple procedures,network loan meets college students’ various consumption needs to a great extent and is deeply loved by college students.Because of insufficient social experience and limited spending power of college students,excessive consumption and overconsumption are prone to happen in the process of consumption.As this time,many college students will cover the funding gap through online loans.However,with the expansion of the business,the quality of the online load platforms are uneven and many platforms have problems with loan risk prevention and control,as well as collection mechanisms.The resulting non-performing loan has become an urgent problem to be solved.Since 2015,the number of campus malignant events caused by bad online loans has increased significantly,which has caused great harm and hidden danger to the physical and mental health of college students,the relationship between teachers and students,the order of campus teaching and even social public security.College students are the future of the development of the motherland and the pillars of the country.We need to seriously deal with the campus problem of bad online loans,create an orderly and positive campus atmosphere,and purify the campus education environment,.At present,in view of the negative impact of domestic college students’ bad online loans,the only working method of the school is far from enough.We should intervene through more social work means,make full use of the theory and professional methods of social work,help the service objects get rid of the difficulties of campus bad online loans,and promote the comprehensive and healthy development.This paper takes a student in X University as the case service object,using the social support theory,rational emotive therapy theory and consumer psychology theory,with the help of literature research method,interview method and observation method to carry out case social work,through six case activities,to help a student recognize the harm of bad online loans,obtain the understanding and support of parents,restore the normal social circle,and establish rational consumption In order to realize the self-development of the case owner,we should improve the concept,reduce the negative impact of bad online loans,return to the normal track of study and life.This study attempts to intervene in the problem of College Students’ bad online loans from the perspective of social work,and discusses its application value.Through the efforts of college students themselves,as well as the help of family,school and society,we can help college students fully understand the harm of bad online loans under the advantage of social work major.At the same time,it provides some suggestions for college students to learn how to prevent and control consumption risk and guide them to cultivate good and healthy consumption behavior and rational consumption concept.Under the multi-level interaction,college students should strive to realize their own value.