近年来，“校园贷”（校园网络贷款）作为互联网新生事物，颇受大学生的欢迎。学生借助“校园贷”，实现超前消费和高消费，但也出现了大学生无力偿还而躲债甚至自杀的悲剧。不久前，河南郑州某学院的一名在校大学生小郑因为无力偿还共计几十万的各种网络贷款，最终跳楼自杀（详情请见），这是校园网络贷款的一个极端案例，警示着大学生亟待强化消费安全和风险意识。

     据调查，大多数学生借贷是用作娱乐消费，比如花在旅游，购买大件商品、化妆品衣服等。实际上这些贷款平台的利率和利息都存在猫腻，而且由于资料审核不严导致学生个人信息被盗用。更为关键的是，大学生没有稳定的收入来源，还款难，超过还款期会产生违约金等，给学生带来巨大的生活和心理压力。

     我们建议：

1. 树立正确科学的消费观，理性消费。

2.自觉抵制攀比消费、盲目消费的不良风气，立足实际，养成健康的消费习惯。

3.提高警惕，强化金融、消费的风险意识。

In recent years, P2P lending as a kind of inter-individual micro-credit through online services has become popular among college students. Students are eager to consume excessively through P2P lending. However, a student from a college in Zhengzhou led to his own death because of inability to repay various online loans that amounted to hundreds of thousands RMB. This tragedy indicates that it is urgent for college students to strengthen their awareness of the risk of excessive consumption.

According to the investigation, most loans are used for entertainment, such as spending on travel, buying big-ticket items, cosmetics, clothing and so on. Actually, there are some dirty tricks of interests in the lending services. Besides, the loose credit checking mechanism leading to the infringement of students’ personal information. Furthermore, it is hard for college students to repay the loan as they do not have stable income. They will be charged for the penalty if they do not repay the loan within the payment period, which will bring a heavy burden to their lives and minds.

Our advice:

1. Set up correct and rational consumption view.

2. Reject unhealthy trend of “keeping up with the Joneses” and instinct spending. Develop healthy consuming habits based on reality.

3. Raise your vigilance and improve the consciousness of financial and consumption risk.