Ah Ethical Analysis Of College Students' Credit Consumption

In recent years,credit consumption has become an important part of people's consumption.As a youth group with strong consumer demand,college students' demand for credit consumption is also growing.Undergraduates are in a stage of life in which the values are not yet mature and curious about the world.It is easy to be influenced by bad consumer thoughts,and it has the psychology of pursuing luxury and comparing with others.In the credit consumption behavior,it shows excessive credit consumption and overdue repayment.As the future of the motherland and the hope of the nation,college students should have correct values and establish an excellent concept of credit consumption.This paper refers to the research results of scholars' credit consumption of college students at home and abroad,and defines the concept of credit consumption of college students.Through the investigation of the status quo of credit consumption of college students,we can find that there are irrational,dishonest and discordant credit consumption problems.I analyzed the reasons from five aspects: society,school,family,college students and financial enterprises.Finally,on the basis of analyzing the reasons,we should find the ethical path to optimize the credit consumption of college students.First,we must cultivate the ethical culture of excellent social credit consumption;The second is to enrich the credit ethics education of colleges and universities;the third is to strengthen the family's guidance on credit consumption ethics;The fourth is to improve the self-discipline ability of college students' credit consumption;the fifth is to enhance the awareness of borrowers to fulfill their moral responsibilities.In the end,it aims to promote the formation of a reasonable credit consumption concept for college students and promote the healthy and harmonious development of the credit consumption market for college students.