社会心理学视角下网贷大学生群体特征分析及对策建议

Analysis and Suggestions on the Group Characteristics of Net Loan College Students from the Social Psychology Perspective

随着“互联网＋金融”的融合与发展，校园网贷应运而生，大学生网贷危机事件频频发生，网贷大学生群体作为特殊学生群体的一支逐渐形成。研究发现，网贷大学生群体特征主要受到基础因子、风险因子、消费因子、压力因子等影响，面对网贷大学生群体“盲目、盲从、茫然”的现状，从群体极化、从众、趋同心理以及去个性化等社会心理学视角，分析网贷大学生的失德失信、非理性消费、责任弱化等特征，同时提出干预策略和问题展望。

With the integration and development of the ＂Intemet plus Finance＂, campus net loan appears, the college students net loan emergencies frequently occur and the net loan students gradually become a special student group. This study finds that the group characteristics of net loan college students are mainly influenced by basic factor, risk factor, consumption factor, pressure factors and so on. Facing the current fact that net loan college students are confusing and lack of their own judgments, this paper analyzes the characteristics of net loan students such as loss of virtue and credit, irrational consumption and weakening of responsibility sense, puts forward the intervention strategies and the prospect of this issue from the perspective of social psychology such as group polarization, conformity and individualization.