English Title (The Survey And Research Of Credit Consumption View Of College Students In Beijing Area)

The purpose of this study is to provide suggestions and corresponding measures for the ideological and political education in colleges and universities to guide college students to establish rational and correct consumption concept,and to provide ideas for promoting college students’ credit consumption education.As a new consumption mode in recent years,credit consumption has gradually entered the university campus.College students,as a special social consumer group,have immature values,strong curiosity,dare to try new things,and are easily affected by consumer culture,resulting in "blind consumption","impulse consumption" and other bad consumption behaviors.As researchers of ideological and political work,we have the obligation to help college students set up a scientific view of credit consumption,and guide them to rational consumption and green consumption.This paper uses 1700 college students in Beijing area as the survey object,using the questionnaire survey method to conduct an empirical study on the current consumption concept and consumption status of college students.Through the questionnaire survey,it is found that:due to the economic development and the increase of family disposable income,the current credit consumption of college students in Beijing presents the following characteristics:most of the students are rational in consumption expenditure,but the consciousness of consumption planning is not strong;Microfinance consumption is common among college students,but they have a vague understanding of credit consumption and lack of basic financial knowledge and identification ability.College students’ credit consumption also has two sides:on the one hand,it can solve students’ short-term economic turnover,ensure students’ campus life and meet their daily social needs.By purchasing credit by installment,students’ anxiety caused by economic distress can be alleviated to some extent.Some college students will also relieve the pressure of starting a business by installment.On the other hand,there are risks in all credit products,and the interest of online credit consumption is higher.Students have the tendency of blind consumption,coupled with lack of social experience,lack of judgment and discrimination for online lending platforms.In addition,college students’ credit consumption structure is unbalanced,the tendency of emphasizing survival over development is common,and a high proportion of college students use it for daily food and clothing.Finally,from the society,school,family,college students themselves four aspects of guiding college students reasonable credit consumption countermeasures,that is,to optimize the college students credit consumption environment,standardize the network credit platform;Enrich college students credit consumption school education,improve the professional quality of ideological and political education workers;Set up the concept of scientific credit consumption,actively participate in practical activities,To help college students to establish a correct consumption concept,promote the growth of college students and all-round development.