基于高职学生消费视角的校园贷问题思考

The Reflection on Campus Loan from the Perspective of Higher Vocational Students'Consumption

校园贷是互联网时代大学生日常管理工作中遇到的新问题,且多发生于高职学生之中。通过分析高职学生的消费心理及结构,发现超前消费、虚荣消费、冲动消费等心理以及过于追求物质享受,极易引起高职学生不合理消费,进而影响身心健康。为此,从消费视角入手,研究并探索校园贷风险防范和教育引导路径,帮助高职学生自觉抵制不良诱惑,远离校园贷,养成健康理性的消费习惯。

Campus loan is a new problem in the daily management of college students in the internet era,which mostly occurs among higher vocational college students.By analyzing the consumption psychology and structure of higher vocational college students,it is found that the psychology of advanced consumption,vanity consumption,impulse consumption and excessive pursuit of material enjoyment are very likely to cause unreasonable consumption of higher vocational college students,and then affect their physical and mental health.Therefore,from the perspective of consumption,the risk prevention and education guidance path of campus loan should be studied and explored to help higher vocational college students consciously resist the bad temptation,stay away from campus loan,and develop healthy and rational consumption habits.