新时代高校校园网络信贷问题与治理策略研究

Research on Problems of College Campus Network Credit and Governance Strategies in the New Era

消费主义是一种异化的消费价值观,宣言“生存即消费”“生存即占有”的人生哲学,以“欲望的满足”为人生目的,必将导致“人为物役”。在消费主义的影响下网络信贷平台“应运而生”,近年来,一些金融企业巧立名目、大肆宣传,利用消费主义思潮对大学生价值观产生了负面影响,诱导大学生过度超前消费,部分学生因为贷款追星、购买奢侈品等陷入高利贷的陷阱,为此付出青春的惨重“贷价”,这其中,不良校园贷机构的推波助澜难辞其咎。本文从“校园贷”乱象透视其存在的表现形式和不断蔓延的原因,反思新时代大学生消费教育,加强政府、高校、家庭三方的协同教育,帮助大学生树立文明、理性、科学的消费观。

Consumerism is an alienated consumption value.It declares the life philosophy that“survival is consumption”and“survival is possession”,and takes“satisfaction of desires”as the purpose of life,which will inevitably lead to“human slavery”.Under the influence of consumerism,the online credit platform came into being.In recent years,some financial enterprises have cleverly established their own names and publicized themselves,using the trend of consumerism to have a negative impact on the values of college students,inducing leading college students to consume excessively ahead of schedule and buying luxury goods,etc.Therefore,they fall into the trap of usury,and pay a heavy“loan price”of youth for this.Among them,the promotion of bad campus loan institutions is to blame.From the perspective of the chaos of“campus loans”,this study analyzes its manifestations and the reasons for its continuous spread,refl ects on the consumption education of college students in the new era,strengthens the coordinated education of the government,universities and families,and helps college students establish a civilized,rational and scientifi c value of consumption.