大学生正确消费观引导论析——以“高校贷”校园市场火爆现象为例

Analysis of the consumption conception of college students in campus loaning

当下,"高校贷"在发展过程中出现了一些令人担忧的问题。正确看待财富、学会理性消费、建立健康积极的财富观已成大学生需要补上的一课。有关高校贷的调查显示,部分学生深受非理性消费观影响,不同程度地存在超前、追风、攀比、享乐和炫耀等不良消费心理,高校对学生正确价值观、财富观的培养亟需增强。无论从学术研究角度观察,还是从具体实施角度判断,中国高校的财富观教育都是迟滞的。这些问题的解决,需靠国家、高校和家庭各司其职、各尽所能、各负其责、关联互动。2017年9月6日,教育部发文再次强调:任何网贷机构不允许向在校大学生发放贷款。与此同时,各高校需要多措并举、务实温情、内外兼顾,加强对学生消费问题的预防、应对和监管,确保学生健康消费,树立科学理性的财富观、消费观。

College students need to know about the nature of money loaning in campus,making rational choices in consumption and establish a positive concept of wealth.An investigation is done and the result shows that a part of students have developed an incorrect consumption conception,over-consumption,catching up with the Joneses,hedonic and conspicuous consumption.Hence,all parties including government,universities and families should jointly be responsible.The campus loaning should be completely eradicated.