The continuous development of Internet technologies such as big data and cloud computing has improved people’s traditional lifestyles and consumer habits in many ways.
College students after the 1990s are expected to promote the growth of finance on the Internet due to their interest in new things and their rapid acceptance.
Changes in the general environment have made college students naturally benefit from the development of finance on the Internet.
We must pay attention to the financial risks of the Internet and the preventative problems facing college students in today’s rapidly evolving Internet finance.
1. The Online Financial Risks College Students Face
(1) Loan from the campus network
Since 2014, more and more loan platforms have emerged on the market and have been widely used in people’s daily lives, and online loans are available everywhere on college and university campuses.
Various types of credit services offered by e-commerce platforms are currently being compared using funds from using the usaa routing number of the consumer e-commerce platform.
It has an unlimited number, flexible functions, and safe to use. Because college students don’t have a stable source of income and savings, college students like to transfer money from their cards to other financial products.
(2) Disclosure of personal information
Graduates who are not deeply involved with the world are not sufficiently aware of the importance of personal information and have little knowledge of risk prevention.
The amount of available debt ranges from a few hundred dollars to tens of thousands of dollars. When earning college credit, you will generally need to fill out more detailed and personal information.
Criminals can obtain seemingly simple private information in various illegal ways, creating potential threats to themselves and their family and friends.
2. Analysis of the reasons why college students face financial risks online
Analysis of the reasons for the university students themselves
The concept of bad consumption and empty things. Superior living conditions mean that contemporary college students in their 20s have a great capacity to cope with the times, strive for innovation, and accept new things.
As noted above, most college students are born into a relatively wealthy family environment, which continues to increase their demand for money.
Male students shop for electronics, shoes, gaming equipment, etc. while female students shop for clothes, bags, and cosmetics.
These are now completely normal situations for university students, and there have been comparisons and empty things in these respects, which has made university students want to consume more and more.
3. Tips to Avoid Financial Risks Online for College Students
Government departments regulate the market and control the industry
With the rapid development of the Internet, the laws, regulations, and regulatory documents related to the Internet economy that has emerged at a historic moment cannot keep up with development.
Lack of law allows violators to use laws and regulations. They understand that college students have enough social experience and high consumer demand, but they lack financial literacy.
They take advantage of the profitability of Internet finances to trick college students into using them.
Set a goal to misappropriate personal information or make college students borrow big money and transfer funds using bankplus routing and make big profits.
The main direction of the world economy is economic globalization, and the development of online finance is an important aspect of economic globalization.
In the future, people’s daily lives will inevitably be connected to the Internet. As the nation’s leading young generation, it is impossible and unnecessary to ask college students to reject the Internet altogether.
How students use the Internet to bring comfort to their lives without compromising the safety of themselves and others is the focus of our entire society.
Reasonable use of Internet financial services, improving the quality of life of university students, and a correct understanding and reasonable avoidance of the financial risks of the Internet are long-term education that universities need to develop.
The financial risks faced by college students have also changed with the development of the economy, the sustainable production of advanced science and technology, and the updating of the content and methods of online financial services.