Research On The Risk Prevention And Education Guidance Of "Campus Loan" In The Context Of Consumption Concept Transformation

In the past 40 years of reform and opening up,China has successfully stepped out of a road of socialist modernization with Chinese characteristics,and socialism with Chinese characteristics has entered a new era.China's society began to change from "production oriented" to "consumption oriented",and the continuous and rapid economic development led to the transformation of people's life style and consumption concept to modernity.College students as a special consumer group,their consumption concept will affect their ideas,values and spirit.The value orientation of young college students determines the value orientation of the whole society in the future.Colleges and universities shoulder the fundamental task of training people and how to train people for the party.Universities should adhere to strengthen moral education and cultivate people.They should take the education of ideal and belief as the core,and take the socialist core values as the guide.They should follow the law of education,follow the law of Ideological and political work,and follow the rule of student growth.So universities can truly realize the goal of educating people in whole process and educating people in an all-round way,and training students to establish a civilized and rational consumption concept.In recent years,the violent cases induced by "campus loan" in Chinese colleges and universities are frequent.The reports of "college students who are deeply in huge debts","female college students' naked credit suicide","illegal detention" and "violence collection" are often reported to the newspapers and the big news media,which seriously violates the legal rights and personal safety of college students.The various problems exposed in the actual operation of the "campus loan" platform have attracted the attention of the whole society,and have also aroused the high attention of the state supervision and education departments.This article is divided into six parts.The first part and the second part mainly expounds the basic outline of the "campus loan" that under the background of the transformation of changing consumption concept,the third part expounds the main risk problems of the existence of "campus loan",and the fourth part expounds the necessity and feasibility of the risk prevention and education guidance in "campus loan" which under the combination between home and university.The fifth part expounds the risk prevention and educational guidance mechanism of “campus loan” and the sixth part is conclusion.Through the "campus loan" risk prevention and education guidance mechanism under combination between home and university,it can enrich and innovate channels of combination home and university.So that college students can recognize the risk of "campus loan",away from the bad "campus loan" temptation,and set up a correct concept of consumption and values.