First of all, the psychology of college students blindly comparing with others is expanding day by day. Due to different backgrounds, the economic conditions of college students are bound to be different, and the consumption level will naturally be different. College students whose world outlook and outlook on life are not completely sound and stable can easily form the psychology of blindly comparing with others. When college students' living expenses are mainly provided by their parents and it is difficult to apply for credit cards, their consumption will be restricted to a certain extent. Once some online loan companies attack them under the guise of "zero down payment", "zero interest" and "the fastest 3 minutes to arrive", it is easy to attract them to lend. Thus, it encourages their comparison and enjoyment psychology. According to relevant survey statistics, the items that college students consume in online loans are mainly technology products such as mobile phones and computers. In addition to digital products, play, clothes and catering are also one of the main consumption contents of college students' online installment loans. Secondly, excessive consumption in advance affects college students' studies and future. The threshold of online loan installment consumption is low, which provides a platform for college students to spend in advance and luxury consumption. However, many people spend irrationally and are even heavily in debt, which affects their studies. In addition, once the payment is overdue, it will affect the personal credit information of college students in the bank and face the risk of being punished.
At present, college students belong to a group with no source of income. It is good to have a platform willing to provide loans, but students are not encouraged to spend too much. After all, there is no source of income at present. On the basis of reasonable consumption control, college students should make good use of the platform to cultivate their own financial management concepts.
What are the advantages and disadvantages of college students' online loans?
Personal views have no advantages, only disadvantages:
It is understandable to overdraw something in advance, but if it exceeds your repayment ability, or even at the expense of quality of life, it will not be worth the candle. In fact, some online lending platforms are attracted by the implicit guarantee of students' parents. If the money borrowed by the child is unable to repay, and it may also affect the child's credit or student status, most parents will choose to repay it.
The main harm of college students' online loan
The low threshold of online loan consumption seriously affects students' studies and provides a platform for college students to spend in advance and luxury. However, many people spend irrationally, which leads to students' heavy debts. College students' energy comes from their parents. Most students choose to pay back, and some often skip classes.
Some even choose not to attend classes directly under the pressure of repayment, which seriously affects students' study. At present, it is difficult to eliminate the way for online lending platforms to enter the campus, and students do not have enough discrimination. Once the student loan fails, the loan company threatens to make trouble at school and harass the counselor by phone, which leads to the students with poor psychological endurance choosing to escape or even dropping out of school directly.
How to treat college students' online loans
Look at the problem of college students' online loan rationally. It has both good and bad aspects. We should look at the pros and cons rationally and objectively.
Advantages: It is beneficial for college students to finish their studies better or start their own businesses. Some college students have financial difficulties in their families and it is difficult to meet their financial requirements. Students can apply for funds from the online lending platform.
The threshold for applying for online loans is relatively simple, and you only need to provide your ID card and student status certificate. In terms of use, the direction of the use of funds is completely unrestricted. College students can use borrowed money to study or start a business.
Disadvantages: College students' psychology of blindly comparing with others is expanding day by day. College students' living consumption mainly depends on their parents' supply, and their consumption will be limited to some extent. At this time, some college students will be attracted by online loan information. Online loans have further encouraged their comparison and hedonism.
Secondly, excessive consumption in advance affects college students' studies and future. Many people spend unreasonably, and even get heavily in debt, which affects their studies.
Terms of the loan agreement:
Article 10 of the Supreme People's Court's Opinions on People's Trial of Loan Cases: A loan relationship formed by one party by fraud, coercion or taking advantage of a person's danger in violation of its true meaning shall be deemed invalid.
Article 11 of Several Opinions of the Supreme People on People's Trial of Lending Cases: Lenders know that borrowers borrow money to engage in illegal activities, and their lending relationship is not protected.
Refer to the above content: Baidu Encyclopedia-Online Loan
What are the advantages and disadvantages of college students using flowers?
As an experienced person, really listen to my advice. Never spend more than you want. As a college student, once you taste the sweetness, it will be out of control. Next, I will talk about the advantages and disadvantages of flowers.
College students are a special group of society, which refers to those who are receiving basic higher education but have not graduated into society. Without rich social experience and experience, the mind is not fully mature in all aspects, and it is easily influenced by all aspects of the environment. Bai Hua is a kind of consumer credit product, and it is a credit consumption mode of first consumption and then payment. Flowers are similar to credit cards. If you don't pay back the money within the time limit, you will charge high interest. For today's debate, we don't deny the advantages of college students spending flowers, but for our contemporary college students, I still think the disadvantages outweigh the advantages.
1. Advantages: Bai Hua has a certain interest-free period and certain rights and interests. You don't need to pay for the goods immediately after using the flower buds. During the interest-free period, users can use this money for investment and wealth management, which increases the extra income of college students in disguise and is conducive to cultivating good investment habits of college students.
2. Disadvantages: Because the flower buds are consumed first and then paid, it is easy for college students who do not have a good consumption concept to over-consume, and personal debts will continue to increase in the long run.
There are many college students who have low barriers because of their convenience, but at the same time, the ant flower garden also poses a challenge to student management. After using ant flower buds, college students become more advanced and irrational, and some students spend too much, which leads to overdue, thus adversely affecting learning quality and physical and mental health.
What is the influence of consumer credit products represented by ant flower buds on college students' consumption view? Both the real-name registration system and the regular website have flowers. You can use it or not, that is, you don't have to pay for it yourself, and you can pay it back in a few months. It's good for you if you pay back the money on time. Since you have used it, remember not to overdue it, which will affect your credit, and your credit will directly affect your future work, house purchase loan and so on.
What should I do if I get caught up in it? College students' consumption concept is not strong enough, and it is easy to produce some impulsive behaviors. Therefore, it is necessary to guide students' high-quality development and cultivate good consciousness, including:
(1) Establish a healthy consumption concept. When buying and consuming, we should first rationally evaluate consumption ability and demand desire to avoid impulsive consumption;
(2) protect your credit. If you exceed your repayment range and can't repay in time, you will pay a great price for credit default;
(3) Focus on learning, plan your own needs reasonably, and prioritize. In addition to the appropriate living needs, the main consumption needs should be placed on the purchase of school supplies and learning resources.
Does it do more harm than good to college students?
Do more harm than good to college students;
1, Advantages: It is obtained by college students and can be used for consumption, entrepreneurship, tourism, etc. , thus increasing domestic consumption.
2. Disadvantages: College students do not have the ability to repay the principal and interest, which will make borrowers fall into repayment difficulties. In addition, college students have not yet established a correct concept of consumption, and there are cases of excessive consumption and waste, and bad atmosphere is more likely to affect other college students.
The harm of network loan to college students
First, it seriously affects students' study.
The threshold of online loan installment consumption is low, which provides a platform for college students to spend in advance and luxury consumption. However, many people spend unreasonably, resulting in students being heavily in debt. The economy of college students comes from their parents. Most students choose to repay, some often skip classes, and some even choose not to attend classes directly because of repayment pressure, which seriously affects their studies.
Second, it is easy to cause psychological distortion of students, and even lead to tragedy.
Most college students use online loans to satisfy their advanced concept of luxury consumption, which is mainly used to buy brand-name electronic products such as high-end mobile phones and computers. At the same time, college students tend to have the consumption psychology of keeping up with the joneses, chasing the wind and showing off. The online loan consumption platform has taken a fancy to these consumption concepts of college students, and has always encouraged college students to "spend tomorrow's money to realize today's dreams", which has opened the door for their advanced luxury consumption concepts and repeatedly lowered the loan requirements to meet their needs.
As a result, college students' consumption from small to large is regarded as happiness, and their vanity is inflated. They indulge their consumption psychology of keeping up with the joneses and chasing the wind and ignore their actual repayment ability. When they are unable to repay, they will face violent collection such as telephone intimidation and text messages on the loan platform, which leads to psychological distortion of many college students, and some choose to take risks with their classmates or steal to get some repayment funds.
Third, increase the financial burden of students and their families.
The common phenomenon of college students' online loan is that the loan threshold is low and the procedures are simple, but the loan interest rate is high. Although many platforms advertised "monthly interest rate reduced to 0.99%" or even "zero down payment" and "no interest", they actually added a high handling fee and made a "cover-up" in the repayment method, and the final annual interest rate was as high as 20%.
The financial source of college students is mainly the living expenses paid by their parents, and the repayment of loans comes from their daily life, which makes it extremely difficult to repay loans and brings great burden to students. When college students are unable to repay their loans, their families become direct payers of online loans, which increases their economic burden.
Does microfinance do more harm than good to college students' consumption behavior?
Microfinance does more harm than good to college students' consumption behavior.
1. What is microfinance?
Microfinance is an operating loan with individuals or families as the core. The loan amount is generally below 6,543,800 yuan and above 6,543,800 yuan. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. College students' consumption behavior refers to the sum of psychological and practical manifestations of college students' demand psychology, purchase motivation and consumption willingness. With the continuous improvement of China's social development level and social security system, the consumption level of Chinese residents has also been improved, and people are more and more willing and able to fully develop their intelligence and physical strength. The new generation of young people in China have gradually got rid of the consumption concepts of thrift and life-long savings, and are happy with material consumption and spiritual consumption. At this time, microfinance has appeared in front of a new generation of young people.
Second, why does microfinance do more harm than good to college students' consumption behavior?
1, micro-credit is easy to cause excessive consumption, which is not conducive to college students to establish a rational consumption concept.
A survey of 1983 college students conducted by the Social Investigation Center of China Youth Newspaper shows that 6 1.7% of the college students interviewed have a monthly living expense of 1000-2000 yuan. As for the main source of living expenses, 79.5% come from parents, 54.2% earn money by working or practicing, and college students account for 36.3%.
Microfinance is undoubtedly a bottomless pit for college students' desires. This gives them the opportunity to overspend and overspend. Parents will not pay for the vanity of college students. College students who can't stand the temptation will invest in micro-credit and finally buy what they want but don't need, which adds invisible pressure to their lives. Therefore, college students lose the ability to measure the necessity of current consumption, which is not conducive to rational consumption.
2. Micro-credit is not conducive to college students' capital flow, which makes the capital vacancy bigger and bigger.
It's for business owners. They have more assets and more cash inflows, so they can bear more deterioration, while college students can't even realize their own human resources. Cash inflow is the monthly living expenses. Cash inflow without assets. Loans are purely for spending, buying bags, buying mobile phones, buying computers and even gambling. However, the inflow of assets and cash has not increased, which has led to serious economic deterioration and many social problems.
According to CCTV reports, among the 23,939 college students surveyed, only 4% said that they were very familiar with campus loans, which created opportunities for many criminals, and the lack of supervision and the problems of college students themselves led to campus loans becoming a sinkhole. According to the campus data report released by prestigious schools, during the period from April 20 16 to August 20 17, the number of students who were deceived by well-documented campus loan cases has reached about 3,679, involving more than 54.96 million yuan. Network micro-credit intensifies the harm brought by college students' incomplete consumption mentality.
Some college students have no self-control, consciousness of fulfilling contracts and independence. The endless desire to buy urges college students to bear debts that cannot be repaid, and also makes them rely on their parents to help them solve their debts. Invisibly increased the burden on the family.
3. Micro-credit will cause the lack of honesty of college students, which is not conducive to the future sustainable development.
The interest rate of consumer credit is higher. This may bring great pressure on college students to repay their loans, which will eventually lead to their bad records and credit risks. However, college students don't pay attention to these interest and handling fees until they can't repay them immediately, and then continue to the next period or continue in stages, thinking that they can profit from them. But in fact, consumer credit has not changed in essence. A survey on the repayment of college students who have used loans shows that 40% of college students have overdue repayment. If they can't repay in time, they will have overdue interest and late fees. The longer the time, the more money.
Secondly, college students' personal credit report will leave a bad record. Once recorded and kept for 5 years, it will affect their credit big data. If overdue users behave badly, they should also bear criminal responsibility, which will have an impact on college students' lives.
Third, what should college students do in the face of microfinance?
1, to enhance their own control ability.
College students have not yet formed a stable source of income and a mature concept of consumption. Once they get into the habit of excessive consumption, their consumption level and loan amount are likely to exceed their actual repayment ability, which is more likely to induce risks. He who has no long-term worries must have near worries. College students should strengthen control and have a sense of urgency in the face of comfortable and comfortable environment.
2, more sense of urgency.
Let's put more time and energy into improving our own quality, and don't be fooled by petty profits.
3. It can't expire.
Even if you borrow money, you should borrow money within your tolerance. Don't overdue it if you borrow it. If you face a large amount, you can ask your parents for help.
If you must make a loan, you must make a good plan, and then you must find a formal loan company, not a routine loan company!