In the graduation season of the college entrance examination, an unfortunate incident of forgetting to bring the admission ticket occurs every year; Every final exam will be caught cheating; There are even girls who have been taking nude photos in a corner. Naked campus incidents have been repeatedly banned. Peer-to-peer lending platform is also a gift for female college students who borrow money. This kind of naked loan is called "aid dissemination". Many girls can't afford it, and borrowers just use their plight to extract the value of their bodies. Someone uploaded nude photos and videos with the capacity of 10g to the Internet. In the face of such a bad incident, naked loans should not have happened. Many college girls know about the "nude photo incident" and the consequences of doing so. However, they "know that there are tigers in the mountains, and they are inclined to go to the mountains and rivers", which makes nude photos on campus frequent. What is the reason?

First, material desires expand. University is a watershed, from repression to liberation. What you dare not do in middle school can be achieved in a free university environment. The girl did her hair, wore a short skirt, made up and fell in love. Some girls pursue material comforts, buy cosmetics, hundreds of lipsticks and thousands of cosmetics, pursue brand-name clothes and bags, and are jealous of iPhone. The exuberant entertainment consumption and the inappropriate average living expenses have caused them to make ends meet, their desire for material things is extremely inflated, and they have to seek help from loans. Second, the lack of consumption plans. In the past two years, exquisite handwritten books have entered our sight. We once saw a girl buy many exquisite paper tapes and colored pens. "Handwriting books" is only a short-term trend in the era of extreme speed, and it is a temporary craze. This also reveals that many people have no habit of making plans. In high school, the head teacher urged us to make a study plan. During the period of making plans, our academic performance has improved obviously and we are in an orderly way every day. Study plan is not the only factor that determines whether our grades are good or not. In college, many girls got the right to handle their living expenses independently from their parents and got the key to their own small treasure house. Improper handling of living expenses makes the first month fat and the month hollow. The temptation of double 1 1, double 12, unrestrained purchase and living expenses are not enough to support the next life.

Third, optimistically predict the consequences. Some online lending institutions need to pay a 30% cycle. With such a high interest rate, they can only do nothing on the repayment date and obey the lender's control. Female college students who borrowed money must have predicted it before and planned to wait until the repayment date to raise enough money. However, with the continuous expansion of material desires, another long-awaited product will inevitably appear. The pursuit of expensive clothes and cosmetics or the temptation of star concerts, a seed germinates in the heart and grows irrepressibly. The enjoyment of reality blinds our eyes and escapes the embarrassment of the future, and this solution to the problem is just to quench our thirst by drinking poison.

Fourth, family factors. Home is the warmest harbor and refuge. Many parents lack money education for their children, and few parents in China educate their children how to spend money. The relationship with parents is not close, the family is not harmonious, or parents are not worried on the surface. When the bag was empty, they chose to seek help from outsiders, so they fell into the abyss, bringing shame and entanglement to their parents and individuals. Fifth, the supervision is lax. With the development of technology in internet plus, P2P lending platform caused a controversy when lending institutions first emerged. Strict application procedures involve personal privacy, home address and contact information of parents, relatives and friends. Anyone on the platform can initiate dunning, and criminals use this loophole to force female college students who are unable to repay their debts. This exposed the loopholes in the supervision of P2P lending platform, allowing criminals to escape from Wang Fazhi.

Female college students' inflated materialistic desires, comparison psychology, lack of legal awareness and self-discipline, and vigorous entertainment consumption always lead to injuries to female college students aged 20-23 who have no financial resources. Improper supervision and imperfect laws lead to this phenomenon. But in the final analysis, it is the darkness of human nature and the thinness of consciousness that make non-wool elements enter a neutral position. It is imperative to strengthen college students' consumption concept and financial knowledge. A girl in the mood for love should not be bound by money. May every female college student enjoy her youth to the fullest.