大学生过度网贷消费的心理特征及对策研究  

Research on the Psychological Characteristics and Countermeasures of College Students’ Excessive Online Loan Consumption

作　　者：范政 王淑合[1] FAN Zheng;WANG Shu-he(People's Public Security University of China,Beijing 100038,China)

机构地区：[1]中国人民公安大学

出　　处：《黑龙江教师发展学院学报》2020年第2期95-98,共4页Journal of Heilongjiang Institute of Teacher Development

摘　　要：随着互联网产业的兴起,一批网贷平台借助互联网发展起来。各大网贷平台为了在竞争的浪潮中得以生存,不断降低自己的网贷门槛以及增加可贷的数额。为了使受众人群更广,有些网贷平台将目光转向了大学生,希望通过挖掘大学生这个潜在的消费群体来在竞争中获得一席之地。大学生作为一个特殊群体,处于身心快速发展的时期,容易受攀比心理、享乐心理、从众心理以及炫耀心理的影响而不计后果地进行消费。其中网贷消费过度就是其中的问题之一。而网贷消费过度会带来一系列的问题,不仅对大学生养成理性的消费观无益,而且会加重其经济压力,影响其学业的正常完成,甚至会造成其自杀等严重后果。因此,着重采用文献分析法、案例分析法以及访谈法,在介绍网贷消费的现状以及由网贷消费引发的一些问题的基础上,分析大学生网贷消费的心理特征,并为大学生养成理性科学的网贷消费观提出一些对策与建议。With the rise of the Internet industry,a number of online loan platforms have developed with the help of the Internet.In order to survive in the tide of competition,the major online loan platforms have been constantly lowering their online loan threshold and increasing the amount they can loan.In order to expand the audience,some online loan platforms turn their attention to college students,hoping to gain a place in the tide of competition by digging out the potential consumer group of college students.College students,as a special group,are in a period of rapid physical and mental development,and are easily influenced by the psychology of comparison,enjoyment,conformity and ostentation,so as to make reckless consumption.One of the problems is the excessive consumption of online loans.However,the excessive consumption of Internet loan will bring a series of problems,which will not only do harm to the cultivation of rational consumption concept of college students,but also increase their economic pressure,affect their normal completion of their studies,and even cause their suicide and other serious consequences.Therefore,this paper focuses on the literature analysis method,case analysis method and interview research method,introduces the current situation of online loan consumption and some problems caused by online loan consumption,analyzes the psychological characteristics of online loan consumption of college students,and puts forward some countermeasures and suggestions for college students to develop a rational and scientific online loan consumption concept.

关 键 词：网贷 大学生 消费心理 对策 

分 类 号：B444[哲学宗教—外国哲学]