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College students ' network credit

2019-10-29 来源: 51Due教员组 类别: Paper范文

下面为大家整理一篇优秀的paper代写范文- College students ' network credit,供大家参考学习,这篇论文讨论了大学生网络信贷问题。网络信贷给人们带来了便利的同时也引起了很多问题,特别是大学生群体,由于不理智消费等问题,给自己带来了很大的麻烦。对于网络信贷,大学生在看到它便利的同时还需要注意它的安全隐患等问题,树立正确的消费观念。

"Net lending" brings convenience to people at the same time also triggered a series of tragic cases. We are on this issue, in this paper, a questionnaire and an interview survey on campus network loan were carried out in order to understand the current situation of college students ' network credit and their basic views on campus network loan, and put forward their opinions and suggestions on the basis of analysis and research, with a view to achieving the purpose of advocating rational consumption and prudent borrowing.

According to the survey, most of the college students ' living expenses came from parents, relatives and friends, student loans, study-studies and scholarships. When asked "What is the average monthly cost of living?" , 36% of college students said they had 1000-2000 yuan. Among college students of this range, when asked what is the average monthly expenditure? , a significant proportion of college students said that it was 1000-2000 yuan. This means that the students are spending roughly the same amount of money as they spend on their daily expenses. Therefore, in the face of the need to buy goods of higher value, there will be a situation of overspending. According to the survey, nearly 50% of college students living expenses from parents, indicating that living costs are limited and fixed.

At the same time, the consumption structure of college students is becoming more and more unreasonable. In the cost of living expenses of college students, most of them are used for shopping and tourism, while living expenses also accounted for a considerable proportion, 24.42% of college students used to start a business, and 19.79% of the students spent on tuition. It can be seen that the consumption structure of college students is unreasonable.

From the survey results, it is found that most college students believe that the advantages of network credit is simple operation and low threshold. 29.89% of college students believe that online credit is lending faster. 27.76% of college students believe that online credit repayment period is flexible. This shows that the advantages of network credit has been widely recognized, which also attracts college students to network credit.

According to the results of the survey, the majority of college students living expenses from parents, and parents provide a monthly living expenses and limited, only enough daily expenses to maintain life, difficult to meet other consumption. And with the increasing consumption of residents, the gradual transformation of consumption concept, credit consumption, consumption patterns have gradually been recognized by the public, especially the new generation of students. Smart electronic equipment, tourism, as well as shopping, cultural consumption and other consumer hotspots gradually emerging. The group of college students with a strong curiosity is willing to try new things to spend more, and the consumption of the psychology of comparison is everywhere. When college students live only enough to maintain their lives and want to do other high spending, they lack the means to get money quickly. They have difficulty in asking their parents and friends to ask for money, and the money they earn is very meager, and the scholarship is difficult to obtain. The emergence of all kinds of network credit has caught the characteristics of college students ' difficult consumption, providing a quick and convenient way to get money to meet all kinds of demand. At the same time, can not deny the advantages of network credit: simple and quick operation, quick loan, low repayment period and so on. These advantages are also one of the important reasons to attract college students to network credit.

It is understood that the majority of college students in the Internet credit benefits, but also noted its shortcomings. The survey data show that most students have a clear understanding of the advantages and disadvantages of network credit, and realize that network credit brings convenience to college students, and it also causes many safety risks and cannot be blindly borrowed.

More than half of the students choose to use Internet credits in the future. This degree shows that college students have a demand for Internet credit, but the current demand is not high, holding a wait-and-see attitude, and college students believe that the prospects of network credit is good, students participating in credit will increase, in the school will become more and more popular. As long as standardizing the market of network credit, perfecting its laws and regulations, providing a safe loan environment for college students, the network credit still has the foreground of development.

University students need to be vigilant about information disclosure, improve personal privacy protection awareness, to choose carefully, not to be too positive attitude to the net lending, do not believe that network credit so-called 0 threshold of 0 profit gimmicks. Restrain own behavior, achieve moderate consumption, rational consumption, do not blindly follow the comparison.

College students should reasonably carry out the network credit and properly repay the loans. Always keep in mind the risks and drawbacks of network credit and be cautious when conducting network credit.

The school should carry on the related lectures and the activity, leads the university student to establish the correct consumption idea, the attention trains the university student the correct value, simultaneously the school also must enlarge the network credit security propaganda activity, to the school student should strengthen the network loan aspect knowledge popularization, and guides the university student to carry on the correct reasonable

To increase students ' work-study jobs, to improve the scholarship quota and to strengthen the financial assistance, we can not only reduce the cost of schooling and health

To strengthen the supervision of the market, the departments concerned should increase supervision and provide a safe environment for college students ' network credit. At the same time, we should improve the relevant laws and regulations, and severely crack down on the use of network credit to defraud college students, so as to standardize the network credit consumption market.

Standardize the network installment payment platform such as "Love Learning loans", "Ant flower Chant" Operation steps.

The operators of network lending platform should strengthen the social responsibility to do credit management, and all links of network credit should conform to the relevant laws.

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