Ye Daqing, an expert in the field of consumer finance, believes that college students' consumption psychology is still immature, and the comparison consumption psychology is more serious. First of all, at the social and family level, parents should give their children proper education to help them establish a correct concept of consumption.
Secondly, for the "campus loan" itself, there are generally shortcomings such as low market access threshold and lack of industry standards. The state should properly supervise the stage of college students' consumption, record the platform information, share the lending information of each platform, avoid excessive credit, and access the lending information data to the central bank's credit information platform.
Personally, college students should improve their knowledge of financial consumption. On the one hand, college students should measure the necessity of current consumption; On the other hand, even if you spend by stages through formal channels, you should fully evaluate your repayment ability and comprehensively evaluate your monthly income. Generally speaking, the monthly repayment amount should not exceed 50% of the total income of the month. After confirming the demand, carefully choose the loan staging platform.
Extended data
Guiding college students to establish a correct view of consumption
The formation of correct consumption concept can not be separated from the guidance of schools. In addition to cultural education, colleges and universities should pay more attention to students' psychological education. At present, it is not uncommon for the material wind and utilitarianism to flood the university campus, and there are a lot of phenomena that students compare with each other and pursue pleasure.
Colleges and universities should strengthen the education of students' outlook on life and values, integrate the correct outlook on life and consumption into the important content of ideological and political education, vigorously carry forward the excellent tradition of self-reliance and hard struggle, and enhance students' ability to resist and prevent bad atmosphere infection.
On campus, we should actively create an atmosphere of advocating thrift and practicing economy. Through campus broadcasting, publicity columns, school publications, public service advertisements, school networks and other forms and channels, students can receive positive education more effectively, realize the extreme harm of campus loans, and develop good habits and concepts of rational consumption and healthy consumption. ?
Phoenix. College students should establish a correct view of consumption
China Civilization Network-Guiding College Students to Establish a Correct View of Consumption