Compared with ordinary adults, college students have less disposable funds, but at the same time they are the main consumers of fashion products, so we can promote social consumption in this way. For students, such a new consumption pattern has solved the contradiction between insufficient amount and timeliness. For merchants, selling goods is profitable.

For the whole market, it has increased market demand and expanded market space. Moreover, college students' online loans and installment loans can bring more opportunities for college students' consumption, which has certain positive market significance. For example, how can this way help students achieve consumption more effectively, instead of encouraging irrational consumption?

Disadvantages of college students' loans:

It is prudent to use peer-to-peer lending platform for relatively large expenditures such as venture loans and tuition fees. The success rate of college students' entrepreneurship is low. Entrepreneurship itself is venture capital, and peer-to-peer lending rates are high. If it doesn't go well, the road to entrepreneurship will be more difficult.

College students need to plan their own consumption reasonably, insist on moderate consumption, and resolutely avoid unreasonable consumption that is advanced, fashionable and worthy of pride. On the one hand, college students should see the impact of these internet financial tools on their consumption behavior, on the other hand, they should be able to analyze and explore the commercial applications of these tools, such as whether these tools can support innovation and entrepreneurship.

Extended data:

Advantages: College students get small loans, which can be used for consumption, entrepreneurship and tourism. , thus stimulating 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.

Moreover, everything is two-sided. "Campus finance" itself is also a way of managing money and an overdraft credit consumption, which will inevitably bring interest and other business expenses arising from loans. Therefore, we must be alert to the word "trap" in the clause of "campus financial services" and be aware of risks.

Need to know the qualifications and background of the loan company in detail. It is worth mentioning that college students' own repayment ability and financial management ability must keep up. Lack of common sense loan knowledge is likely to lead to some tragic experiences.

People's Network-College Students' Online Loan Opportunities and Traps Coexist.