互联网金融背景下大学生信用消费的冷思考

Reflections on College Students' Credit Consumption in the Context of Internet Banking

在校大学生的信用消费是互联网金融和电商平台的"蓝海".信用消费在满足大学生旺盛消费需求的同时,也存在着大学生消费观念被扭曲、分期购物的法律风险被忽视、消费信贷的信用风险被漠视等隐忧.营造健康、和谐的大学生信用消费环境,政府应加强对分期购物公司和网络贷款平台的有效监管,平台商家应尽快形成行业自律机制,高校应加大对大学生信用消费道德教育的力度,大学生应提高其自身信用观念和理财规划能力.

College students’credit consumption is becoming the“blue ocean”for internet banking and E-commerce platform.Hidden troubles have been noticed in credit consumption when it meets strong consumption demand of college students.The consumption concept of college students is distorted;the legal risk of staging shopping and the credit risk of consumer credit are ignored.To help college students to establish healthy and harmonious credit consumption habit,government should strengthen effective administration for staging shopping companies and internet credit platforms,platform businesses should construct their industry self-disciplining mechanism as soon as possible,universities should strengthen moral education of college students’credit consumption,and college students should enhance their own credit concept and financial planning ability.