Research On Problems And Countermeasures Of College Students' Internet Credit Consumptio

In the context of the rapid development of the Internet,the group of Internet users has gradually expanded,extending from the initial white-collar population to farmers and college students.The characteristics of "networking" are particularly obvious,and the "Internet imprint" of consumption behavior has become more prominent.Since the first online installment platform was launched in my country in 2013,the scale of customers has expanded rapidly,including college students.To a certain extent,Internet credit has met the needs of some college students for excessive consumption.The rapid expansion of the number of college students in recent years has in turn boosted the rapid expansion of the scale of Internet consumer credit.However,while the Internet brings convenient consumption,there are also certain risks.Because the problem of college students’ overconsumption is becoming more and more prominent,they often love vanity and make face consumption.The promotion of some non-compliant small loan companies and the incorrect consumption concepts of college students lead to viciousness."Campus loan" incidents occur frequently,and the probability of credit default has also increased significantly,jeopardizing the security and development of the Internet financial market,and causing great adverse effects on society.In recent years,with the continuous surge in the scale of college students’ consumer credit,the frequent occurrence of "online loan" incidents has caused some college students to be deeply involved and caused many negative social impacts.in order to solve the above problems,this paper adopts the literature research method and the questionnaire survey method as the main research methods,and takes Shanghai as the survey area to carry out the research.Taking college students as the research object,in order to understand the specific behavioral purpose of college students’ online credit consumption,a questionnaire was designed,and a specific investigation was carried out on college students’ consumption behavior,online loan use tendency,and financial management habits,and then summarized the consumption concept,consumption characteristics,and financial habits of college students.The cognition and use of Internet consumer credit and the use of wealth management products;combined with the results of the questionnaire,the root causes of the current college students’ Internet credit problems are excavated,and the causes of different levels of adverse consequences caused by college students’ use of Internet credit are summarized.Break down the problems one by one,and then systematically put forward a series of solutions that will help to give full play to the enthusiasm of Internet credit products,improve college students’ awareness of rational consumption and scientific lending,strengthen credit awareness,know how to protect their legitimate rights and interests,and make it clear that the school does not Only subject-based teaching should be provided,and more practical courses of college students’ practical and financial knowledge can be provided.The demand gap of College Students’ consumer loans should be faced up to,and the government should take the lead in providing guiding product recommendation manuals to effectively avoid students falling into the trap of illegal Internet loans.The family,Internet e-commerce and social media should jointly strengthen their sense of responsibility and establish a correct consumption concept for college students.Provide standardized Internet credit products and work together for the growth of a healthy and green Internet consumer finance market.