校园贷危机下大学生消费心理健康教育探析

Analysis on College Students' Consumption Psychological Health Education under the Campus Loan Crisis

随着互联网高速发展,大量的网络借贷平台兴起。部分网络借贷平台以在校大学生为借贷对象,通过虚假宣传、降低门槛、隐瞒费用、裸贷等方式诱导大学生通过网络平台借贷,以获得高额利息、违约金、管理费为目的。大学生无力偿还高额贷款,网贷平台暴力催收,引发的问题比比皆是,甚至出现大学生因无力还贷而自杀的现象。本文就校园贷危机下大学生消费心理进行分析,并就如何对大学生进行消费心理健康教育作了初步探析。

With the rapid development of the Internet,a large number of online lending platforms have emerged.Some online lending platforms take college students as their borrowers,inducing college students to borrow money through online platforms through false propaganda,lowering thresholds,concealing fees,and naked loans,in order to obtain high interest,liquidated damages and management fees.The inability of college students to repay high-value loans and the violent collection of online lending platforms abound,and some college students even commit suicide due to inability to repay loans.This paper analyzes the consumption psychology of college students under the campus loan crisis,and makes a preliminary analysis on how to carry out the consumption psychological health education for college students.