Research On The Victimization And Prevention Of College Students In Illegal "Campus Loan"

The victims of illegal"campus loan" mainly sign high interest and overdue loan contracts on the Internet lending platform to obtain funds.When it is difficult to repay the loans on time,the platform threatens with verbal intimidation,harassment,door-to-door violence,forced sex transactions to repay the loans and other forms of debt and personal and property infringement of full-time college students.Increasingly ram pant illegal"campus loan"not only causes great damage to the property of the injured students,but also causes physical and mental damage to varying degrees,seriously affecting their normal study and life,and burdening their families with heavy debts,but also interferes with the study,life and work of the people around them,and even causes college students to lose trust and sense of security and fear.The panic psychology destroys the academic atmosphere and normal teaching order of colleges and universities,also causes the public to have doubts about the financial development model of the Internet+era,and loses confidence in the government’s ability to prevent and manage public order,thus affecting the social harmony and stability and the long-term stability of the country.According to the collected data,the victim’s performance characteristics are different from those of the traditional victims of economic crimes.On the psychological level,the victim often has fluke psychology,comparison psychology,conformity psychology,irrational consumption psychology,weak legal consciousness,lack of awareness of victim prevention,and shows strong victim tolerance and victim tendency.On the psychological level,the victim often shows diversified characteristics in the forms of victimization.Extortion,fraud and leaking of personal privacy information are the most common forms of victimization among college students,and most of them are compound victimization and repeated victimization.The diversity of the forms of victimization further reflects the complexity of the situation of college students who are victims of illegal"campus loan".Therefore,it is necessary to conduct an empirical investigation and Study on their victimization situation as a whole.Grasp.On the one hand,through questionnaires conducted by college students and field visits,the victims of illegal"campus loans" are generally understood and analyzed.On the other hand,the victims of illegal"campus loans"are analyzed according to the judgments and news materials collected by the courts in the past three years.The common types of victims of illegal"campus loan"are deceived,forced helple’ssness,fear of violence,forced"sexual compensation",depression and humiliation.Starting from the cause of victimization,the study of criminal acts can find out the law of victimization comprehensively and thoroughly,and curb the crime from the source,process and result in the whole process.In the illegal "campus loan",there are two main reasons for college students’victimization:one is the characteristics of college students themselves that induce criminals to commit harmful acts,including age,gender,social status,lifestyle and bad psychology.Compared with social people,college students have their own characteristics of victimization,such as relatively lagging psychological development and relatively inadequate places of activity.The other is the factors that promote the victimization of College students,including the absence of University management,the shortcomings of family education and the absence of government supervision.College students are the backbone and hope of the motherland.In order to effectively solve the problem of College Students’victimization in illegal"campus loan",the victim prevention system should be established from macro,micro levels.Firstly,at the macro level,the government should improve the management system of"campus loan",clarify the supervisory subject and function,establish the basic data of College Students’victim groups,fully analyze the information of College Students’victimization and release the criminal information in time.Secondly,on the level,we should start from the University and family.Colleges and universities should strengthen their daily supervision and management responsibilities,strengthen the investigation of online lending platforms,strengthen financial education,financial education and safety education for students,strengthen preventive measures,and enhance the construction level of campus security system;attention should be paid to the guidance and communication of children,and strengthen family-school links.Finally,the micro level pays attention to personal self-rescue and prevention.College students should actively acquire self-rescue knowledge through multiple channels before being killed,improve their awareness of victimization prevention and overcome bad psychological and behavioral habits.Suitable self-rescue behavior should be selected according to the situation.After being killed,the victim should correctly treat the victim facts,establish a psychology of avoiding tolerance,actively c arry out self-regulation,and prevent the occurrence of vicious inversion mentality.Actively seek mental health correction and counseling.