校园贷的现状、成因及对策——基于大学生消费心理视角

The Current Situation,Causes and Countermeasures of Campus Loan——Based on the perspective of college students'consumption psychology

随着互联网消费金融的发展,大学生群体也开始在消费市场占据一席之地。由于大学生处于自我控制不足的阶段,校园贷成为当代大学生用来缓解暂时资金短缺,满足消费欲望的重要途径。通过网络调查问卷分析大学生的消费行为和消费心理,得出大学生存在非理性消费心理的结论。

With the development of Internet consumer finance,college students have begun to occupy a place in the consumermarket.Because college students are in the stage of insufficient self-control,campus loan has become an important way for contemporary college students to alleviate the temporary shortage of funds and satisfy their consumption desire.Through the network questionnaire analysis of college students'consumption behavior and consumption psychology,it is concluded that college students have irrational consumption psychology.