First, there is a big consumption gap and polarization. On campus, students come from different regions and families, and their parents are the main source of income. The imbalance of parents' income affects the consumption level of college students to some extent. The consumption gap between students with family difficulties and students with good conditions has gradually widened, resulting in polarization. Some students can only solve the problem of food and clothing, while others are extravagant and wasteful.

Second, it is easy to appear among college students? Comparison phenomenon. Comparison among college students is a very bad atmosphere. They are no longer diligent, academic achievements and cultural qualities in middle school, but eat, wear, use and dress up. Compared with middle school students, college students have more money at their disposal, but their self-control is still poor and their control over money is weak, which leads them to spend money blindly: today you bought a brand-name dress, and tomorrow I will buy a suit; You buy a fashionable mobile phone, I'll buy an updated one; You buy MP4, I'll buy MP5. You made a straight ion perm, and I'll make a big roll; What's more, in order to satisfy his vanity, he used the money saved by his parents to pay tuition fees for other purposes and buy mobile phones and computers; Other students use grants and scholarships to dress up and buy luxury goods. Really? A group of people who have no financial ability support a lot of business.

Third, the concept and ability of financial management are lacking. For the first time, most college students have the power to control all kinds of expenses, often showing that they can't manage money. Spending tomorrow's money and doing today's work # is a popular way for people with jobs and stable economic sources today. Loaning to buy a house and a car embodies the modern people's flamboyant and cutting-edge consumption concept to the fullest. However, college students who have no fixed income sources have also joined the trend? Negative Weng # family. [3] They spend money like water, with no restrictions and no plans. Sometimes they spend a semester's living expenses in one month, and they can't arrange their expenses reasonably according to their actual situation. By the end of the semester, most students had seriously overspent, but they didn't know where all the money had gone. Students who have a little savings try to spend all their money when they go home, lacking a sense of saving.