It is not desirable for college students to spend ahead of time and get loans from college students, so it is urgent to establish a correct consumption concept \ x0d \ x0d \ A survey of 2,000 college students conducted by the Social Investigation Center of China Youth Daily through the questionnaire network shows that 55.3% of the college students interviewed have a monthly living expense of1000 ~ 2,000 yuan. 77.8% of the college students surveyed said that overdraft consumption is very common around them. 63.7% of the respondents think that the reason of college students' consumption in advance is influenced by the concept of consumption in advance, and 62.0% of the respondents bluntly say that it is vanity of comparison. 88.5% of the respondents believe that it is urgent for college students to establish a correct concept of consumption. (Published by Zhongqing Online, 2065 438+06 10 10/0/) \ x0d \ College students are a special social group, full of youth and vitality, influenced by knowledge in university campuses, lacking social experience and relatively simple thinking. \x0d\ The outside world provides convenient consumption tools for college students, which makes some college students face problems such as campus loan dilemma and excessive credit card overdraft. They have become the objective existence that college students have to face in reality. In this whirlpool, many college students still have their own reflections, rather than blindly indulging. But even so, there are still waves of college students who objectively construct the above survey results. \x0d\ This has to cause us to think further. What's the problem? After combing, we can find many problems. First, campus education is divorced from reality, and this objective situation has not been widely and deeply integrated into the corresponding classroom education, helping college students to establish a correct consumption concept and values, and playing a preventive role in early warning. We are just putting forward a correct view of consumption, and it is wrong to think that early consumption has brought many difficulties and problems. So what kind of consumption view is the correct consumption view has not been systematically told. Second, the lack of family education. Parents supporting their children to go to college and giving them living expenses are not the end of the task. Guiding and urging children to use funds correctly is more valuable than money itself. Third, banks and other financial institutions are lax in handling credit cards and other financial instruments with overdraft function for college students, which makes many college students overdraw consumption without correct consumption concept and repayment ability of funds, thus transferring debts to their parents and families. Fourth, some lending platforms lower the threshold and lower industry standards. In order to seek benefits, they specially lend money to college students, which has caused a series of campus social problems. \x0d\ Of course, the causes of the problems are different. These credit opportunities, which are specially open to college students, actually suggest to some extent the behavior choice of college students to spend ahead of time or even overdraw. The lack of school and family education guidance leads to the lack of rational weapons to resist the temptation of the outside world. \x0d\ What is hidden behind the consumption view is the values. What kind of internal values there will be what kind of consumption behavior, which is the deep driving force of consumption behavior. There is an asymmetry between knowledge and rational cognition in our education and this tempting world. Fundamentally speaking, to establish a correct concept of consumption, we should not only give more legal norms to external financial credit, but also focus on the campus classroom itself, so that it can make up this lesson for college students, or lay a good preventive and identification needle in advance.