1. Strictly examine and approve students' credit card applications: When issuing credit cards, banks and other financial institutions need to examine the income and credit records of the applicants to ensure that they have the ability to pay off the credit card bills, and at the same time limit the credit card amount of students to prevent excessive consumption.
2. Strengthen relevant publicity and education: Governments at all levels and colleges and universities publicize the concept of consumption and financial knowledge to college students through various channels to help establish a correct concept of consumption and avoid the risks of over-consumption and debt.
3. Regulate the financial market order: The government should strengthen financial supervision, severely crack down on bad financial companies and illegal financial activities, and maintain the stability and healthy development of the financial market. At the same time, it is necessary to strengthen the supervision of financial products and services to prevent financial institutions from guiding students to consume in advance through false promises.
4. Promote financial service innovation: The government and financial institutions should actively promote and develop low-risk and flexible financial products and services such as installment consumption and loans to meet the consumption needs of college students and reduce the debt pressure.