A Study On The Prevention Of Consumption Risk Of Collage Students' From The Perepective Of Financial And Social Work

Nowadays,we are in a materially rich society.The phenomenon which mainly shows the alienation of consumer psychology and consumer identity is increasing.College students as one of the main person of consumption,they will be influenced or Shape consumer culture.In the Internet time,information changes accelerated and advertising is endless.College students have a strong ability in accepting new things.However,they are insufficient to identity false information.While they will be easy to get consumption alienation if they also have an idea of advanced consumption.During these years,college students have more consumption crisis(major point at“campus loan” in this context).Unreasonable consumption view influences students' developing.So,it is essentially to help college students improve their financial literacy to prevent consumption risk.This paper will take the college students of Jiangxi X University as the research object and invite 300 members to write the questionnaire.Then the author analyzes the students' consumption status,the financial literacy,the causes of consumption problems and the factors that affect their financial literacy.As the results of the analysis shows,college students have many problems such as individual differences in financial literacy(differences among sex and grade),unreasonable view in consumption(advanced consumption),self-awareness is not in place(behavioral and conceptual mismatch)and so on.Based on the perspective of the theory of consumer society,there are some reasons as following: the family' influence.Such as the parents' occupation and background.The consumer market and the educational mode can also effect the college students' financial literacy.Under the guidance of the theory of financial literacy,the author carries out the group practice of "improving the financial literacy of college students" in Jiangxi X University.The group has 8 members which have low level financial literacy.And the targets of the group are setting up health consumption,stimulating the students' learning interest,grasping enough knowledge and learning how to use these knowledge.The author gives some suggestions from the college,the family,the government and so on.If we can do this well,the consumption crisis will be solved.