In recent years, campus loans have intensified and even evolved into naked loans, which makes people laugh and cry. Some students paid the dignity, even the cost of their lives, which made people sad. College students are an important part of social development. It is the common responsibility of the whole society not to let "dirty" campus loans become the last straw to crush college students.

First of all, the relevant departments should strengthen the supervision of the "campus loan" business, require it to standardize the audit process, strictly audit the identity information, qualifications and solvency of lenders, and investigate the corresponding responsibilities if the information audit is not strict. At the same time, we can explore effective measures, such as forcing the "campus loan" platform to obtain the consent of students' parents before lending money to avoid cheating.

Secondly, schools should strengthen psychological care for college students and guide them to establish correct values and consumption views. At present, many colleges and universities attach importance to the education of knowledge, ignoring the care and guidance of psychological level, which deviates from the original intention of education. Only by strengthening ideological and moral education, establishing corresponding communication and caring mechanism, paying more attention to college students, actively helping them when they encounter difficulties in life, and clearing the way in time when they are confused, I believe that the phenomenon of naked loans on campus will be completely eliminated.

Thirdly, the campus loan platform should actively establish the awareness of risk control. At the same time of lending, we should actively inform borrowers of the real risks of borrowing, make all kinds of fees transparent, and control the loan interest rate of the platform within a certain range to avoid students falling into the predicament of usury.

Finally, college students should avoid irrational consumption behaviors such as impulsive consumption and herd consumption. In a pluralistic era, there is bound to be a pluralistic consumer culture. There is no original sin in "spending if you want". The key is to do what you can. If young people want to win the social recognition of others, it is not a long-term solution to rely on "superficial kung fu"; Only by establishing a correct concept of wealth and consumption and adopting appropriate methods, such as work-study programs, applying for scholarships and grants, can the economic pressure be alleviated. Only in this way, young people's wallets will be more and more bulging, and their spiritual home will be more vibrant and energetic.

Young people are strong, and China is strong! College students are the future of the motherland. We must take timely action to keep the phenomenon of non-performing loans and naked loans completely away from the life of college students, so that their flower-like youth can stretch freely and bloom healthily!