网络信贷在近年来快速发展,使人们多了一条获得资金的消费渠道,而当代大学生作为网购的主力军,也成为了网络信贷消费的主体。在网络消费的大环境下,大学生的消费行为特点深受影响。本文以湖南工业大学为例,基于本校大学生网络信贷的使用状况分析其消费行为,进而对大学生不良的消费行为提出改进的建议。 The rapid development of internet credit in recent years has led to an additional consumer channel for obtaining capital. However, contemporary college students as the main force in online shopping have also become the main body of credit consumption in the Internet. Under the environment of online consumption, the characteristics of undergraduates’ consumption behavior are deeply affected. In this paper, Hunan University of Technology as an example, based on the use of college students online credit analysis of its consumer behavior, and then put forward suggestions to improve college students bad consumer behavior.