互联网金融背景下大学生消费观的培养

The Cultivation of College Students'View of Consumption under the Background of Internet Finance

高校大学生是互联网金融消费的重要年轻群体,因其巨大的消费潜力,众多互联网金融行业更是将其作为关键的目标客户。互联网金融在给大学生提供便利、缓解小额资金短缺的同时,还带来了重物质型消费、攀比心理和从众心理凸显等诸多问题。在良莠不齐、复杂多变的互联网消费背景下,政府、高校、家庭三者必须齐心协力,对大学生群体进行消费观教育,帮助大学生养成科学的消费理念,自觉抵御不良消费行为。

College students are an important young group of Internet finance consumers.Due to their huge consumption potential,many Internet finance industries have made them key target customers.While Internet finance provides convenience to college students and alleviates the shortage of small funds,it also brings many problems such as heavy material consumption,comparative psychology and herd mentality.Against the background of uneven and complicated Internet consumption,the government,universities,and families must work together to educate college students on the concept of consumption,help college students develop scientific consumption concepts,and consciously resist bad consumption behaviors.