Research On The Prevention Of Credit Card Credit Risk For College Student

There are many problems for college students in using and recognizing credit cards: The basic knowledge of credit cards is shallow,and the basic knowledge of credit cards,debit cards,and circular interest is not clear.At the same time,risk awareness is weak,and there is awareness of the “credit system”,but it does not attach importance.Unclear credit cards,default of annual fees,overdrafts and other phenomena occur from time to time,and bad credit records will inevitably threaten the future work and life of college students.Therefore,the credit card integrity mechanism of college students needs to be resolved.In order to dig into the problem of the integrity of college students,provide references for the study of related fields in the society,comprehensively lay the foundation for the study of the integrity of the entire society and further regulate college students’ consumption behavior,we help establish an effective mechanism to strengthen education and guidance for them,and help them establish rational consumption concepts.The first chapter of this paper uses the concept of integrity risk of credit cards in the research and use of credit card use and risk of college students,and further collects and analyzes the problems of credibility mechanisms at home and abroad,such as analysis of credit card needs of college students,dynamic utility model of undergraduate credit card consumption,and college student credit cards.The empirical analysis of risk sources discusses and analyzes the problem of credit card for college students.The second chapter introduces the connotation and characteristics of credit and the connotation and characteristics of the risk of card use as the theoretical basis.The third chapter mainly analyzes the development history and current situation of college students’ credit cards,as well as the main functions and risks of credit cards.Taking a university in Puyang,Henan Province as the research object,a questionnaire was designed to survey the 262 college students’ holding and use of the credit card,and influencing factors were analyzed,which in turn led to the solution of college students’ credit card problems and suggestions in the fourth chapter.The fifth chapter further analyzes the reasons that affect college students’ credit card risk from many aspects.From the perspective of the commercial bank perspective,that is,the fierce competition in the banking industry,the continuous increase in the amount of credit card circulation and the banking supervision system needs to be strengthened;from the perspective of college students,that is,the negative impact in the process of social transformation,the particularity of funding sources,and consumption,blindness,the lack of honesty education,and the lack of honesty and credit caused by college students’ own factors are also the causes of credit card risk for college students.Then the sixth chapter gives out the solutions and suggestions for college students’ credit card integrity problems: establish and improve the social credit system and restrict the behavior of college students.The internal control of the relevant departments of commercial banks strengthen.Besides,the influence of family education on the integrity of college students,the role of colleges and universities on college students,the improvement of college students and the integrity awareness and self-management ability play important roles.