21世纪以来,随着我国经济的不断发展与进步,越来越多的资金周转方式也陆续问世,而其中应用最为广泛的莫过于借贷活动。与此同时,伴随着互联网技术和手机终端的发展,在市场作用下如雨后春笋般出现了一大批P2P式的借贷类APP,并且获得了大量的大学生用户。基于此种现象,本文主要对南京仙林大学城中大学生对借贷软件的使用情况进行了详细的调查,针对结果对大学生的消费观作出具体的分析。 Since the 21st century, as China’s economy continues to develop and progress, more and more modes of capital turnover have emerged one after another, of which the most widely used is borrowing activity. At the same time, with the development of Internet technology and mobile terminals, a large number of P2P lending APPs have sprung up under the market influence and a large number of university student users have been acquired. Based on this phenomenon, this paper mainly conducts a detailed investigation on the use of loan software by students in the city of Xianlin, Nanjing. Based on the result, this paper makes a concrete analysis on the concept of college students’ consumption.