随着社会经济以及互联网的快速发展,市面上出现了越来越多网络借贷平台,并且开始逐渐向高校领域拓展。而其中不乏一些动机不纯的网络借贷平台故意采取隐瞒事实、采取虚假宣传的手段甚至以极低的贷款门槛为诱饵,诱导学生超前消费,甚至不惜借高利贷,最终形成周期性的恶性循环,对学生的消费理念产生了严重影响,危害了学生的合法权益,对个人、对学校乃至对社会都造成了极大的影响。所以如何引导学生树立正确的消费观,教育学生抵制诱惑,保护自己的基本利益,从而营造和谐的高校氛围是十分重要的。 With the rapid development of the social economy and the Internet, more and more internet lending platforms have emerged in the market and are gradually expanding into the field of higher education. However, some of these imprudent platforms for online lending deliberately conceal facts, resort to false propaganda methods and even use very low lending thresholds as bait to induce students to spend ahead of time and even resort to usury to finally create a cyclical vicious cycle. Students have a serious impact on consumer attitudes, endanger students’ legitimate rights and interests, and have great impact on individuals, schools and even society. Therefore, it is very important to guide students to establish the correct concept of consumption, educate students to resist temptation, protect their own basic interests and create a harmonious university atmosphere.