The influence of network credit on college students' economic activities

下面为大家整理一篇优秀的assignment代写范文- The influence of network credit on college students' economic activities，供大家参考学习，这篇论文讨论了网络信贷对大学生经济活动的影响。目前，各大网络贷款平台对于贷款门槛的设定是十分低的，在校大学生只需要填写自己的手机号，以及身份信息进行注册，即可进行贷款申请。网络贷款十分的便捷，相关的操作流程也比较简单，很多的大学生都会进行这样的网络借贷，但是这样的借贷方式往往会对学生消费观念造成及其不利的影响，使得大学生在实际的发展过程中，更加注重物质追求，对其未来的工作以及发展造成极其不利的影响。

In recent years, with the continuous progress of science and technology and the rapid development of social financial market, online financial lending methods have gradually begun to diversify, and a lot of lending platforms have appeared successively on the Internet. Due to its relatively low threshold for lending, many college students become one of them. Online loan for college students has gradually become a common phenomenon in the current stage of social development. Although college students are already adults, their consumption concepts are still in a stage of perfect development. Moreover, most college students are not capable of full-time production activities, so most of their economic sources come from their families. As a kind of financial innovation business, online credit is adapted to the psychological characteristics of college students who like to explore new things. However, in this process, it often has a lot of bad effects, such as making college students become more spendthrift and pay more attention to material pursuit.

Most of the online loans are issued by the online loan platform in the actual process. Students only need to choose the loan amount and repayment method for repayment. In this process, once the overdue situation occurs, it will have a very negative impact on the credit of college students, and need to pay more interest in the future. Under such severe punishment, if college students want to avoid overdue loans, they must make scientific and reasonable plans for their consumption behaviors. It can be said that only by setting up a good concept of consumption and making a reasonable plan for their own funds can college students ensure that the relevant loans can be returned on time. The emergence of online lending has well solved the problem of mismatch between college students' actual consumption ability and excessive consumption demand. However, college students must also strengthen the management of their own consumption behavior, or it will inevitably cause extremely serious consequences.

At present, major online loan platforms set a very low threshold for loans. College students only need to fill in their mobile phone number and register their identity information to apply for loans. Once the application is made, the loan order will be directly generated on the corresponding online loan platform, and then each loan officer will have a relative order number. The loan platform managers only need to summarize and manage these loan orders, and when the students meet the loan requirements, the corresponding loan amount will be given to the lender the next day. However, the relevant repayment work is even simpler. College students only need to return the principal and interest to the loan platform according to the corresponding interest within the specified date. Network, by contrast, the loan is very convenient, related to the operation process is simple, a lot of college students are borrowing such networks, but this way of borrowing often and its adverse effects on the students' consumption idea, make the development of college students in the actual process, pay more attention to material pursuits, for its future work and development is extremely adverse impact.

Nowadays, it is quite common for college students to speculate in the stock market. When many college students buy stocks, it is not to make profits, but to complete relevant learning tasks, such as students majoring in finance and investment. In this process, they tend to have a full understanding of securities investment and trading through practical operations, so as to better understand relevant theoretical knowledge and lay a good foundation for future study and work. However, due to the lack of economic income, college students tend to be short of money when making investment. However, the emergence of online lending platforms solves this problem well. More and more students begin to obtain corresponding investment funds through online lending. However, in such a case, once students lose money on their investment, it will be very difficult for them to repay the online loan funds. In this case, students will "borrow new debts to repay old debts" and fall into the dilemma of revolving credit, eventually causing serious consequences. In short, when college students make relevant investments through online lending, they will face great risks, which will distort their investment motivation and behavior, and take great risks themselves. Once losses occur, it will be extremely difficult for them to get out.

In the process of starting up a business, college students often have insufficient start-up capital. However, the emergence of online lending platforms solves this problem well. College students can obtain start-up capital through relevant loans. However, due to the risk of starting a business, once the failure of the business, it is difficult to make online loan repayment. In order to repay online credit, students may be forced to continue to borrow money, ultimately robbing Peter to pay Paul. Therefore, when college students start their own businesses, they cannot easily use online loans to obtain start-up funds. Otherwise, once the start-up fails, they will fall into the dilemma of revolving credit.

In conclusion, network credit, as a new product of the integration of financial industry and Internet, is an inevitable product of the development and progress of The Times. It can be said that the emergence of network credit has greatly promoted the development and construction of China's financial industry, but at the same time, the emergence of network credit has also brought a corresponding impact on people's lives and the development of enterprises, and some aspects are even more harmful than beneficial. In terms of the actual situation of network credit for college students, the negative impact is far greater than the positive impact. Therefore, relevant management departments must establish a reasonable early-warning mechanism to guide college students to develop in the right direction and effectively resist the negative impact of online credit.

51due留学教育原创版权郑重声明：原创assignment代写范文源自编辑创作，未经官方许可，网站谢绝转载。对于侵权行为，未经同意的情况下，51Due有权追究法律责任。主要业务有assignment代写、essay代写、paper代写服务。

51due为留学生提供最好的assignment代写服务，亲们可以进入主页了解和获取更多assignment代写范文 提供美国作业代写服务，详情可以咨询我们的客服QQ：800020041。