Reserch On “Campus Loan ” Problem Of Students In Vocational Colleges

With the development of Internet consumer finance,consumer credit is accepted by more and more young groups,especially college students,and campus consumer credit is also developing rapidly.The number of college students is increasing,and the consumption demand of college students is gradually showing the characteristics of diversification,and the campus consumer credit has great potential for development.However,the chaos of campus consumer credit appears frequently,and the negative news about campus loan has aroused the attention of the whole society.It is very important to study the chaos and causes of campus consumer credit,and put forward some countermeasures and suggestions to meet the reasonable consumer credit demand of college students and promote the benign development of campus consumer credit market righteousness.This paper takes “campus loan” as the main research object,on the basis of fully consulting the relevant literature,mainly in the way of campus investigation,selects Z vocational school students as the research object,investigates the current situation of“campus loan” in vocational colleges,analyzes the causes of illegal “campus loan”disorder and puts forward corresponding countermeasures in combination with typical cases.Through the investigation of Z vocational school students' use of “campus loan” and the analysis of typical cases,it is not difficult to find the deviation of students' values and the irregular operation of “campus loan” platform,which are the main reasons for the proliferation of illegal “campus loan”: first,vocational school students' comparison consumption,excessive pursuit of material enjoyment;second,the lack of consumer education for home check students;third,“campus loan” Fourth,the government's supervision of the campus loan platform is not in place.Campus finance is a double-edged sword for vocational college students who have strongconsumption demand but no stable income source.The proper use of “campus loan”can effectively meet the consumption desire of vocational college students and realize their dream of studying and starting a business.If it is not used properly,it will affect their normal learning life and even endanger their lives.Therefore,it is not a good policy to stop the “campus loan” blindly.Only by strengthening the supervision and guidance can we pursue the benefits and avoid the disadvantages,and give full play to the positive role of “campus loan” in the credit consumption of vocational college students.According to the theory of government regulation,consumption psychology,school moral education and so on,this paper puts forward the suggestions of regulating “campus loan" from the four aspects of government,school,enterprise and family: first,the government should improve the laws and regulations.The relevant government departments must speed up the legislative pace of “campus loan” in order to fill the legal gap in the field of campus finance,and promote the healthy and sustainable development of the credit consumption market of Higher Vocational Colleges by regulating the operation process of campus financial services such as“campus loan”;secondly,schools should strengthen the effectiveness of moral education.Schools should attach importance to the moral education of students and help them to establish a correct world outlook,outlook on life and values.Through updating the content of moral education,innovating the method of moral education and creating the atmosphere of moral education,the effectiveness of moral education can be improved.By popularizing the relevant knowledge of "campus loan",establishing the information base of loan students,doing a good job of student's financial support and psychological intervention,and formulating the emergency response mechanism of “campus loan”,we can guide students to choose and use“campus loan” rationally;fourthly,we should attach importance to family education.As one of the three pillars of education,family education plays an important role in the growth and development of students.Parents should help students to establish a correct outlook on money,develop good consumption habits and cultivate noble moral sentiments by inheriting good family style and strengthening parent-child communication.