Social Work Cases Involving Irrational Consumption Of College Students In The Process Of Online Lending Intervene

With the prevalence of emerging internet finance,P2P has developed dramaticall y.P2P appeals to most students’ needs by the convenient platform of the program and its multiple advantages.but most of they themselves have no ability to bear the risk of P2P,Because of students’ family background,different economic conditions vary,so the consumption level of nature is different.And college students are in a period of values and outlook on life has not yet formed,it is easy to form blind comparisons of psychological,fall into the trap of irrational consumption.To give students and families bring heavy pressure and economic burden,but also bring many problems to campus security and school management.At present,education in colleges and universities is somewhat out of touch with the reality of social life.Many universities only pay attention to the teaching of professional knowledge but ignore the importance of education and education,which is also an important reason for the irrational consumption of college students.Internet fraud and campus repeated occurrences and still have a lot of college students loans have been deceived,which reflects the management the lack of appropriate means to intervene in our school student loan network problems.This paper mainly uses the case study,questionnaire survey and interview method,on the basis of the current situation of campus loan investigation on the college students in the process of online loan irrational consumption behavior and the reasons for the induction.In the subsequent in-depth contact with the two cases,the author linked to school and family resources to help them solve the current crisis and corrected the cases with the treatment mode of REBT rational emotional therapy theory and relevant case-work skills.In general,the comprehensive application of the main mode of casework has strong applicability for the correction of irrational behavior,which can fundamentally solve the real problem behind the "campus loan”of the service object.Through resource link,social workers helped the client solve the problem of campus network loan successfully.Through rational emotive therapy,the client rebuilds his rational understanding and has a new plan for his study and life.At the end of this article,we hope that social media can call on college students to abandon the western concept of”advanced consumption",suggest that schools should do a good job in publicizing the harn of irrational consumption and popularizing the knowledge related to online credit loan,and call on government-led supervision organizations and associations to improve the corresponding industry rules.In this way,under the interaction of subject and object,Internet finance will have a more healthy development and college students will grow up more healthily.