Research On The Guidance Of University Students' Consumption Concepts Under The Background Of Internet Credit

In the wake of pervasive application of internet information technologies,internet consumption has become a habitual way of consumption for most people.As a crucial means of promoting internet consumption,the development of internet finance has become an important factor driving economic development.Under the background of the prevalence of internet finance,university students with strong consumer demand have become the target groups sought after by various consumer industries.As the representative of internet finance,internet credit possesses the following characteristics: convenient access,low entry threshold,high degree of openness as well as large demand from target groups,thus is highly pursued by many university students.As a result,some internet credit products are widely accepted and employed by university students.In this circumstance,it is necessary to guide their consumption view promptly,so that their views on life,values and the world may develop in a good manner.Clarifying what is the correct consumption view in the context of internet credit can help provide a basis for how to guide university students' consumption view.This article first sorts out the meaning of internet credit and the existing internet credit models in our country,then analyzes what consumption and consumption view are from the perspective of Marxist theory,and further summarizes the directional senses of Marxist consumption view.On this basis,this article illuminates what a correct consumption view should look like in the context of internet credit,providing a theoretical basis and ideas for guiding university students' consumption view.An empirical analysis of the current situation of university students' internet credit consumption will be helpful for the study of specific issues as it provides the basis for solving those problems and directions for guiding university students' consumption view.This article takes university students as research subjects,and conducts empirical analysis through a combination of questionnaires and interviews.Based on the survey data and interview results,the negative behaviors of university students' internet credit consumption are analyzed.These behaviors are mainly reflected in four aspects: premature consumption,more determined consumer goal,more trendy consumer objects and quite limited loan capacity.According to their bad behaviors,this article conducts the attribution analysis mainly through the following three aspects: consumption culture,consumer psychology and consumption environment,in order to provide guidance and directions for university students to establish the correct consumption view.According to the results of theoretical analysis and empirical analysis,this article gives out reasonable guiding suggestions for university students' consumption view in the context of internet credit in three directions: advocating the proper consumption culture,cultivating rational consumption psychology and creating a green consumption environment.These suggestions will help promote the formation and development of their views on life,values and the world,and further optimize and improve the ideological and political education in universities in the new period.