互联网背景下大学生消费金融问题研究——基于福建省大学生的调查

Research on Consumer Finance of College Students--Based on A Survey of College Students in Fujian Province

基于福建大学生消费金融的调查数据,深入分析在互联网背景下大学生消费心理,系统归纳大学生金融消费跟风和攀比心理、大学生难以预见校园贷风险、知情权保障严重不足以及大学生个人金融信息保护意识缺失和缺乏信用意识等问题。针对大学生消费金融所存在的问题提出加强大学生思想引导,规范金融消费者权益的体制机制,完善行业监管体系和法律法规,加强大学生个人金融信息保护意识,将互联网金融纳入信用信息系统等对策。

Based on the survey data of the consumption finance of college students in fujian province,this paper makes a depth analysis of college students’consumption psychology,systematically summarizes the problems of college students’financial consumption,such as the following and comparative psychology of financial consumption,the difficulty of college students to foresee the risk of campus loan,the serious shortage of the right to know security,and the lack of awareness of personal financial information protection and credit awareness of College students..In view of the problems existing in college students’consumption finance,countermeasures are proposed,such as strengthening college students’ideological guidance,standardizing the system and mechanism of financial consumers’rights and interests,improving the industry supervision system and laws and regulations,strengthening college students’awareness of personal financial information protection,and incorporating Internet finance into the credit information system.