Research On The Current Situation And Countermeasures Of College Students' Credit Consumption

Consumption has always been a social activity for human survival and development,and has an important impact on the values and behavior of each person.In recent years,as consumer credit consumption patterns emerging,gradually into people's lives,college students as a special social group,the values are not yet mature,strong curiosity,dare to try new things,easily influenced by consumer culture,resulting in a "comparison of consumption","excessive consumption and bad consumption psychology.As the future of the motherland and the hope of the nation,it is necessary for us to guide the college students to set up the correct idea of credit consumption and help them to carry on the reasonable and healthy consumption.In this paper,the domestic and foreign scholars on the study of College Students' consumption were sorted out,based on the results of previous studies,the concept of College Students' credit consumption was defined.With Marx's scientific consumption theory and western consumer society theory as the theoretical basis,to college students in Hubei Province as the research object,questionnaire survey,the survey results show that college students credit consumption is conducive to the positive impact of venture capital preparation,to credit record accumulation,to carry out financial education,but also the existence of credit consumption amount is high,consumer credit,consumer credit blind impulse unbalanced structure,negative influence of low threshold of Jane's credit program.According to the survey results,further analysis of the deep-seated causes of formation of negative effects that influence the bad consumption environment;School of consumer credit education is weak;family consumption credit absence;college students credit consumption dislocation.Finally,proposes the countermeasures to guide students to rational consumer credit from the students themselves,family,school,society four aspects,namely,strengthening the scientific view of consumption guide public opinion standard for college students credit platform;improve the theoretical system of Ideological and political theory course,the comprehensive promotion of higher education service quality;focus on children's view of consumer credit the family consciousness,strengthen children consumer credit education and family guidance;take the initiative to strengthen self education,establish a scientific view of consumption credit,actively participate in practical activities,practice the scientific concept of consumption credit;in order to help students establish a correct view of consumption,promote the growth of college students and all-round development.