The Hazard And Prevention Of "Campus Loan" For College Students

With the continuous improvement and innovation of the big data system,Internet finance has been unprecedented development,students as a new consumer group gradually get the attention of the network loan platform and e-commerce enterprises,in order to achieve the purpose of stimulating consumption,the network loan platform began to sell financial products to the college students.Under the influence of the characteristics of capital profit-seeking,the key words such as "suicide of female college students’ naked loan "," huge debt forcing college students to jump from buildings "," violence urging demand" and "illegal detention of debt" have become the key words of the development of the times,which have a very bad influence on the college students’ group.This article Choose literature analysis method,questionnaire survey and interview method,comparative analysis method,case analysis method and so on,to carry on the thorough research to the university student "campus loan" situation.In the course of the research,the questionnaire survey method and interview method were highlighted,the Harbin Normal University of Heilongjiang Province was selected as the research area,and 500 people were randomly selected as the research object,covering all groups of freshman,sophomore,senior,senior and graduate students in order to improve the authenticity and reliability of the survey data.According to the content of the questionnaire,50 students were selected to interview,and the content of the questionnaire was deepened by means of random questions,in order to understand the main part of "campus loan" on the basis of objective data View the information,so that subjective and objective combination,a better explanation of the "campus loan" penetration.The research is divided into four parts:Part Ⅰ: Introduction.Starting from the background and significance of the thesis,this paper expounds the current situation of theoretical research at home and abroad,and makes appropriate comparison.Make clear the research methods and contents of the thesis,fully understand the innovation and deficiency of the paper,so as to clarify the research direction and highlight the research focus.The second part: the way and reason of college students’ " campus loan ".First of all,analyze the way of college students’ " campus loan ".Based on the questionnaire and interview method,this paper analyzes the current situation and ways of "campus loan" for college students.Secondly,find out the root cause of the phenomenon of "campus loan" of college students,expound it from three aspects of individual,family and society,and try to find the cause of campus loan from a more profound background.The third part: college students "campus loan" existing problems and harm.First of all,expound the main risks of "campus loan ".This paper expounds the source of risk from the three aspects of students,family and school,and tries to expound the behavior pattern and subsequent influence.Secondly,further clarify the harm of college students’ campus loan.The research finds that there are many problems that cannot be avoided.Such as high interest on students and their families caused a huge economic burden,destroying the mental health of college students,privacy leakage has potential risks,threatening the formation of correct consumption view of college students and so on.The fourth part: the study formulates the university student bad "the campus loan" the guard measure.First of all,to help college students to establish a correct consumption concept.Starting from the consumption environment,the content of consumption view education is constantly enriched,and the rational consumption consciousness of college students is gradually cultivated.Secondly,improve the campus loan related legislation.The campus loan must have strict legal maintenance,the legal status of the late campus loan platform,so as to further manage and standardize,and strengthen the legislative protection of the information security of both sides.Thirdly,to cultivate the good quality of college students’ self-reliance and selfimprovement,it is an inevitable development trend for college students to start a business,so we must actively encourage entrepreneurship and set up a venture fund.successful cases,exchange and share experiences;provide part-time positions to ensure students ’ daily expenses.Finally,construct the linkage mechanism of "home-school cooperation ".From the three levels of family,counselor and school,the necessary attention is given to the group of college students in order to effectively eliminate the problem of campus loan.