A Research On Cultivating College Students' Rational Consumption View From The Perspective Of Network Loan

With the development of internet finance,the peer-to-peer lending industry has shown a trend of vigorous development.The consumption of network loan is deeply favored by college students.While network loan has brought convenience to college students,there is also misunderstandings and even distortions in the perception of consumption among undergraduates.Based on the combing of basic theory and empirical investigation,this study deeply analyzes the status quo,existing problems and causes of undergraduates' view of consumption under the perspective of network loan,and then proposes path of college students rational consumption view from the perspective of network loan from multiple dimensions.This research takes the phenomenon of college students' network loan consumption as an example.It focuses on three issues: The first,the status quo of college students' consumption view cultivation under the perspective of network loan,existing problems,and the reasons behind the existing predicament.What are the reasons behind their existing difficulties? The second,what is the status of undergraduates' rational consumption concept cultivation under the perspective of network loan? What aspects are cultivated through them,how effective are they,and what lessons can they learn from? The third,through how to construct the rational consumption concept cultivation mechanism of undergraduates in the view of network loan,this paper proposes a feasible cultivation path.This research uses the knowledge of philosophy,pedagogy,sociology,psychology,ethics,etc.Based on the Marxist theory of consumption,Marxist theory of human needs,etc,with the background of network loan,based on the perspective of ideological and political education,exploring the cultivation of college students' rational consumption.First,through the methods of literature research,the concept of the rational consumption concept of undergraduates in the view of network loan,the characteristics and types of consumption concepts,theoretical basis,etc.are systematically sorted out;Second,through questionnaires and field surveys etc,a stratified cluster random sampling surveys was conducted on university students in some universities in China.The purpose is to understand the current status and existing problems of current college students' consumption perspectives under the perspective of network loan,and to dig deeper onthe basis of this and affect the rationality of undergraduates.Third,through international comparative studies,we analyze the current situation of the cultivation of rational consumption view of college students in the United States,Japan and the United Kingdom,and propose inspiration to China.Fourth,on the basis of theoretical research and empirical analysis,we construct the fostering mechanism from the perspectives of undergraduates' vision of rational consumption,fostering content,nurturing methods and nurturing the environment.Fifth,based on the perspective of ideological and political education,to focus on self-education of college students,strengthen school education,improve family education,and optimize social consumption environment of four dimensions,and proposed appropriate path of the students rational consumer view under the perspective of network loan.The novelty of this research is that it perspective is relatively novel.It attempts to explore the status quo,existing problems and underlying causes of undergraduates' rational consumption view from the field of network loan,and analyzes foreign network loan through comparative research methods.The status quo of undergraduates' rational consumption view cultivation under the domain,and the inspiration that can be used for reference,and then constructing a rational consumption concept cultivation mechanism for undergraduates under the perspective of network loan provide important support for the path.Provide important basis for college ideological and political educators and relevant government departments to carry out education activities of rational consumption view of college students.