蚂蚁花呗视域下湖南省高校学生超前消费调查  

Investigation on Over-consumption of College Students in Hunan Province from the Perspective of Alipay

作　　者：吴畅[1] 黄晓丹 游汝馨 WU Chang;HUANG Xiao-dan;YOU Ru-xin(Hunan Judicial Police Vocational College,Changsha,410131 China;Inner Mongolia University of Technology,Huhehot,010051 China)

机构地区：[1]湖南司法警官职业学院法律系,湖南长沙410131 [2]内蒙古工业大学,内蒙古呼和浩特010051

出　　处：《新疆职业教育研究》2022年第1期57-60,共4页Vocational Education Research in Xinjiang

摘　　要：通过对湖南省内高校学生使用蚂蚁花呗等超前消费情况展开调查,了解到大学生急需用钱时会考虑第三方平台借贷,蚂蚁花呗成为受欢迎的超前消费方式之一,大学生消费状况随着超前消费支付方式的出现而有明显改变。多数学生在超前消费后没有明确的还款计划,还款来源的局限性导致“借贷恶性循环”。这些情况的出现既有社会原因,也有大学生自身原因。超前消费容易导致很多问题,影响大学生学习质量和身心健康,导致个人信息泄露和个人征信出现问题,花呗套现也导致相应法律责任。应培养学生形成正确的消费观,学会理性评估自身消费需求和消费能力,保护个人信息,维护个人征信,提升法律风险防范意识。The paper investigates the over-consumption with Alipay of college students in Hunan province.The re⁃sults show that college students will consider third-party platform lending when they are in urgent need of money and Ali⁃pay has become one of the popular ways of their over-consumption.Most students do not have a clear repayment plan af⁃ter over-consumption and the limitations of repayment sources lead to a“vicious circle of borrowing”.These situations result from both social reasons and college students themselves.Excessive consumption is easy to lead to many problems such as personal information leakage and personal credit problems,which affect the learning quality and physical and mental health of college students.The paper argues that students should be trained to form a correct view of consumption,learn to rationally evaluate their own consumption demand and ability,protect their personal information from leaking,maintain their personal credit,and enhance their awareness of legal risk prevention.

关 键 词：蚂蚁花呗 大学生 超前消费 还贷 

分 类 号：G455[文化科学—教育学]