| As the network information technology is penetrating into every aspect of human social life,a series of credit loan products specially tailored for college students have flooded into universities through online platforms,and have continuously expanded their business to college students,which broke through the traditional scope of the lending industry and the red line of social morality,as a result of which it caused malignant campus lending incidents.This phenomenon not only has influence on the normal study and life of students,but also threatens their property and personal safety.These unpredictable risks are difficult for college students to resist by their own strength,it is necessary for colleges and universities to carry out online loan risk prevention education with their resources and conditions,guiding and helping college students to resist risks.Actively carrying out online loan risk prevention education is the necessary approach to meet the risk prevention needs and improve ability to resist social risks of college students,and it is an effective extension and innovation of political education and student affairs management in colleges and universities.Firstly,it analyzes the rationality of online lending risk prevention education from the perspective of technology development,regulation deficiencies and educating functions,it elaborates that online lending risk prevention education has the functions of promoting social stability and development,people’s overall development and education development,making it clearly that cultivating college students’ risk awareness and prevention capabilities is the goal of online loan risk prevention education.Secondly,it analyzes the types of risks such as personal information leakage,bearing legal responsibility,financial defaults,and consumption induction faced by college students in online lending through interviews,as well as the possible damages such as property damage,personal safety damage,distortion of values and money concept that these risks may bring,thus discusses the practical foundation of online lending risk prevention education.Thirdly,it analyzes the current weak implementation of online lending risk prevention education for college students with a single implementation approach and scattered content,and points out that online lending risk prevention education is faced with challenges such as insufficient motivation to carry out,teachers to be optimized,and insufficient understanding of harmfulness among college students.Finally,from the aspects of improving the recognition of college students,inspiring teachers to participate actively,insisting on the combination of "prevention" and "governance",and the combination of "teaching" and "implementing",putting forward the development strategy of co-management,from the integration of finance,law,network security,integrity education,etc.,scientifically designing the teaching content,from the aspects of enriching internal and external course,optimizing student affairs management,and playing the role of multimedia,putting forward the development path and implementation strategy of optimizing the prevention of online lending risks for college students. |
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