思政教育视角下大学生网贷消费行为的研究

Research on College Students' Net Loan Consumption Behavior from the Perspective of Ideological and Political Education

在当前网络背景下,网络贷款风气盛行,逐年呈现迅猛发展的态势,且由于准入要求较低,因而对于当代购物欲望强烈的大学生们来说,无疑成为了满足其需求的主要有效渠道,但也因而造成了大学生不良的消费行为及扭曲消费心理。针对这一问题,从事学生教育管理的思政辅导员应高度重视,并要及时采取有效措施,加以纠正及教育。首先列举当前大学生网贷消费行为的具体表现,并详细分析网贷的产生原因及其对大学生的危害,进而通过树立学生正确观念、培养理性消费习惯、加强学生诚信品质、重视金融安全教育、构建良好校园文化五个维度,构建了大学生网贷消费行为的引导机制,以期实现理性健康的消费,推动学生全面正向发展,维系网贷行业的稳定环境。

In the current context of the Internet,net loan prevails with increasing momentum. Due to its low access requirement,it undoubtedly becomes a main effective channel to meet the needs of university students,who have strong desire of consumption but it also contributes to their bad consumption behavior and twisted consumption psychology. Ideological and political counselors who are engaged in students＇ education and management should pay due attention to this problem and take effective measures to correct it and educate students. This paper first lists the specific performance of current college students＇ net loan consumption behavior,and makes a detailed analysis of the causes of the net loan and the harm to college students,and then from the five aspects of establish students＇ correct ideas,cultivating rational consumption habits,strengthening students＇ credit quality,paying attention to financial safety education,and building a good campus culture,the behavior guidance mechanism college students＇ consumption of net loans is built in order to realize the rational and healthy consumption,promote students＇ all-round positive development,and maintain the stable environment of the net loan industry.