Personal risk, as its name implies, refers to the risks faced by people's health and life span, which is inevitable for all. Among personal risks, our college students are closely related to personal accidental injury risk and health risk. These risks will always be encountered in life, and for personal risks, we can not only be responsible for our own health, but also take out personal insurance, which should be the most commonly used means of risk prevention, but we cannot rely entirely on personal insurance. After all, this is after-the-fact insurance, and the best way is to take care of ourselves.

Credit card risk: With the vigorous development of China's financial market and the continuous progress of the economy, a brand-new financial product, namely the credit card for college students, has emerged. "Spend tomorrow's money to realize today's dream" has been recognized by more and more college students, and credit consumption is no longer a strange term. Although most college students have no independent financial resources and spend less on credit cards, they are a group with high quality and stable economic income after work. Therefore, banks are optimistic about their future consumption potential and regard them as high-quality customers in the future, and college students have become one of the main market segments of bank credit card business. As a new market, a new dominant group and a new source of income and profit, college students have become a battleground for major commercial banks to develop college students' credit card business. There are risks when there are gains. For the industry of college students' credit cards, the risks of college students' credit cards mainly include credit risk, operational risk, fraud risk and legal risk.

These principles and methods of risk management: (1) Risk management is a kind of risk control and an important way to seek the best combination of risks and benefits. Strengthening the ideological and moral construction of college students requires not only strengthening moral education, improving management and rules and regulations, but also constantly innovating policies and improving social environment. It is necessary to start from both subjective and objective aspects at the same time, and the school, family and society should work together to cultivate and improve the integrity quality of college students. (B) major banks can form a * * * database, which can share the information of college students' credit card holders. In this way, you can not only enjoy the credit information of the card owner, but also form a unified credit card overdraft limit among major banks, so as to prevent college students from falling into debt crisis and becoming "card slaves" by constantly establishing new cards and repeatedly overdrawing. (3) Establish intimate reminder service to avoid repayment delay. Banks can set up intimate reminder services to remind some necessary situations in time, so as to prevent some college students from getting more and more debts due to ignorance and causing their own losses to banks. Generally speaking, college students' credit card risk management can be summarized into two aspects, namely, preventive measures management before card issuance and control measures management after card issuance. As long as these two aspects of management are in place, the credit card risk of college students can be reduced to the greatest extent.

Part-time job risk, the phenomenon of college students' part-time job is becoming more and more common, but due to various reasons such as law, society, enterprises, schools and part-time workers themselves, there are huge explicit risks and hidden risks in college students' part-time job. With the increasing popularity of college students' part-time jobs, the risk of part-time jobs has an impact on the life and study of more and more college students. The causes of college students' part-time job risks can be started from several aspects. Legal reasons: The relevant laws and regulations on college students' part-time jobs are still far from perfect. According to relevant regulations, students' work-study programs in their spare time are not regarded as employment, and there is no need to sign labor contracts without establishing labor relations. When the legitimate rights and interests of college students are infringed, there are no clear and specific laws and regulations to follow. School reason: the school lacks part-time jobs. Work-study program in colleges and universities can only solve the part-time job problem of some students, and it is difficult to meet the part-time demand of the majority of students, which makes more students need to find part-time opportunities outside the school, and the risk of part-time job increases. The reasons for college students' part-time jobs are: lack of self-protection and rights protection awareness, and lack of college students' sense of responsibility. Precautionary measures for part-time job risks: give a good course on rights protection and polish the eyes of part-time. Before taking a part-time job, college students should first establish the concept of safeguarding their legitimate rights and interests, aim at training their own abilities, and not be driven by interests, credulous or rash, so as to safeguard their rights and interests, and of course, strengthen their legal awareness and rights protection awareness. In addition, the school can provide high-level legal lectures in this field, broaden students' horizons and enrich their legal knowledge. Colleges and universities can also set up a department to introduce and contact part-time students to serve them.

Employment risk, under the complicated and changeable market economy conditions, opportunities are often accompanied by risks. For the graduates who have just left the university, the risks are inevitable, especially when the international financial crisis sweeps across the world, the employment risk is an unavoidable problem. In recent years, it is difficult and unfair for Chinese college students to find jobs. These two problems are not only difficult to solve in a short time, but also have a great negative impact, resulting in the employment risk of college students. Previously, the academic community has put forward the concept of "employment risk of college students". The employment situation of college students is still grim, the total labor force is surplus, the supply of professional and technical talents is in serious shortage, and the data of talent gap is huge. The demand for professionals is reflected in the primary, secondary and tertiary industries. Lack of quantity and energy and shortage of suppliers are the problems of college students' own employment attitude. At present, freshmen are generally too self-centered, lack of practical exercise, weak willpower and poor practical ability. College students are less satisfied with salary, professional counterpart rate, job stability and expected space for employment development. Risk management measures: (1) The state actively promotes the employment of college students, implements the employment expansion plan, and further strengthens efforts to encourage and guide college students to find jobs in grass-roots units, scientific research units and small enterprises. Adhere to the implementation of the financial aid program for college students, increase the government's attention to poor families, and actively take measures. (B) Colleges and universities should improve employment guidance, broaden employment channels, through college leaders at all levels, professional teachers, former and current class teachers and alumni, and strive for more national enterprises and institutions, small and medium-sized enterprises and non-metric units to come to our school to recruit graduates, guide graduates to apply for civil servants, and encourage graduates to start their own businesses and have flexible employment. Strengthen employment guidance and improve employment interview guidance. Strengthen the education of labor policies, laws and regulations. Comprehensively strengthen the employment service for graduates, establish and improve the information release system and online release system for college students' employment supply and demand, and prevent all kinds of false recruitment from harming the interests of graduates. (3) College students should strive to improve their employment competitiveness, which can be divided into employability and entrepreneurial ability. Its elements mainly include knowledge structure, communication and expression ability, psychological quality, cooperation ability with others, self-study ability and problem-solving ability. Only with good gratitude quality, job seekers will have greater chips. In addition, college students should correct their willingness to apply for jobs and correctly position themselves.