大学生个人消费已经从依赖家庭、依靠个人勤工俭学走向了面向社会借贷,帮助个人理财的生活消费时代。贷款本身是对于公司企业或者是有一定社会经济基础或者偿还能力的社会人所进行的借贷消费活动,但是,随着金融产品的多样化,小额贷款的发展已经走向更广泛的领域,甚至走到了大学校园的周边,走近了大学生的日常生活。小额消费到底是怎么回事,到底对学生的学习和生活会产生哪些影响。作为高校的教育工作者一定要认真了解和对待这方面的问题,因为,它对大学生的社会生活影响非常重要。 Personal consumption of college students has gone from relying on families and relying on personal work-study programs to the life-consuming era of social loans and personal wealth management. The loan itself is a lending and spending activity for a company or a society that has a certain socio-economic basis or ability to repay. However, with the diversification of financial products, the development of microcredit has moved to a wider area and even gone To the university campus around, approached the daily life of college students. What is the impact of micro-consumption in the end, in the end on the students’ learning and life will have what effect. As a college educator, we must carefully understand and treat this problem because it has an important impact on the social life of college students.