大学生网贷的消费心理分析及对策研究

不良大学生网贷行为造成了经济损失、心理创伤、身体伤害乃至家庭破碎等社会和教育问题，给高校大学生思想政教育和日常管理带来严重挑战。基于校园网贷现状分析，进行大学生特有的消费心理特征探究，并从积极开展校园网贷教育引导、认真做好校园网贷风险防范、开展困难生精准扶贫三方面开展建议性对策研究。

The social and educational problems of bad college students have caused serious problems such as economic loss, psychological trauma, physical injury and even family crushing, which brings serious challenges to the ideological and political education and daily management of college students. Based on the analysis of the status quo of campus network loan, explores the unique psychological character -istics of college students, and carries out the suggestions and suggestions from the aspects of actively carrying out the education of campus network loan, doing a good job of preventing and preventing campus network loan risk and carrying out poverty and poverty alleviation.