It's the beginning of the school year again, autumn is coming, and the campus of Dali University is full of active students. Seniors rush to the dormitories, while newly enrolled freshmen start a new phase of their lives on campus. Bidding farewell to the high school era with strict management and less consumption, as a new college student, what are their thoughts on future consumption and financial management? What are the plans for their living expenses and what do they think about loan products such as Huabei and credit cards? Spring City Evening News- Kaiping News reporter took advantage of the opening season to walk into the campus of Dali University to find out.
Freshman new
I haven't planned my living expenses, so I can use it whenever I want
"The parents came by car and sent it to the door." "Mom and Dad brought it by car." ...... When they first entered the university campus, many new students were sent to school by their parents. When asked what kind of life "equipment" the reporter brought, such as quilts, pillows, three-piece sets on the bed, etc., Li Kunlin, a freshman studying clinical pharmacy in the class of 2021 this year, said: "Everything is brought. You Rouyuan, who studied journalism in the class of 2021, also said: "Everything was brought from home. The many life "equipment" brought from home has undoubtedly greatly reduced the economic pressure of the new students, so what is the situation of their main economic source and living expenses?
In the dialogue with the new students, the reporter found that most of the students' living expenses are about 1,000 yuan to 2,000 yuan, both monthly and semester-by-semester. Some students said that they were not familiar with the price level and consumption level of Dali, so the cost of living had not yet been determined, and they would experience it for a month. There are also students who still use the reward money given by their parents after the college entrance examination, "probably will give me more than 1,000 yuan, and still use the bonus given by parents after being admitted to college, which should be given monthly in the future." On the issue of whether they will work hard and do part-time work, the vast majority of students have expressed their willingness to work and study, hoping to experience society through their own efforts and earn living expenses to reduce the burden on their parents.
However, in the planning and distribution of living expenses, most of the students said that they did not plan, did not think about this problem, and used it if they wanted to, and another classmate said in an interview: "It is enough to eat, and most of the living expenses should be used for eating." ”
Senior sister
The concept of consumption is formed, and it is willing to pay for hobbies
Compared with the new students, after the sophomore year, the senior students have adapted to university life, the planning of living expenses has been relatively clear, and they have also dabbled in work-study and financial products, and gradually formed their own consumption concepts.
Similar to new students, the living expenses of senior students are generally between 1,000 yuan and 2,000 yuan, but many students have work-study experience, and some students have always insisted on relying on work-study to subsidize their living expenses. Some students choose to be teacher assistants in the school library, some students choose to work part-time in stores, some students choose investment funds and other products for financial management, and some students open online stores to do business.
In terms of living expenses planning, most students mainly spend on the cost of three meals a day, and some students also have the needs of clothing and star chasing, and are also willing to pay for their own interests and hobbies, and spend a certain amount of money for them. Some students also began to mention some brands when talking about the things they wanted to buy most recently, and in the most expensive things they bought, they were mostly brand-name sneakers, jewelry, cameras, etc.
On the issue of whether to use huabei, borrowing, credit cards and other lending products, most of the students said that they had used it, but they would not use it for a long time, thinking that "occasionally use it urgently"; some students said that these things are very bad, they have been deactivated, "think that advanced consumption is not very good, the sophomore year owes a lot, and later on"; a small number of students said "never use, personally do not like to use, because it will form a dependence" "No, anyway is to control themselves" "do not use, Personally, I think Huabei seems to meet the needs of the moment, but if you are not careful, you may be in debt."
school
Rational consumption, away from illegal borrowing
College career is the beginning of students slowly contact with society, self-management, in the process of the formation of their consumption concept, what is the price level of the school, whether their lives are stressful, and what role does the school play in the education of the consumption concept?
"The school currently has a total of 9 student canteens in the two communities, and the price situation is stable. On average, a student's meal is about 7 yuan. Dali University canteen administrator Li Congjun said that students formed a canteen democratic supervision committee to supervise the price of the canteen and dishes, etc., the current price level of the canteen is relatively satisfied, there is basically no opinion on the price of the canteen.
In terms of school education, Dr. Li Yunrong, director and associate professor of the Department of Economics of Dali University, was interviewed by reporters. "Although the school does not have a special course related to the concept of consumption, it has a guided education on the concept of consumption in relevant courses and activities such as ideological and moral cultivation classes and class meeting classes." Li Yunrong said, "Consumption is enough, can not be too advanced consumption, away from the network illegal lending platform, etc. are all concepts often publicized by schools. ”
"I have a certain understanding of the consumption concept of our students in our school when guiding students to write papers. The average cost of students is about 1100 yuan per month, and the proportion of meals is the largest, at about 50%. For the way of spending money and attitude is divided into four categories: can save money, plan to spend money, spend while earning, and spend when you want to spend, and the more casual the attitude, the greater the monthly expenditure, and as the grade grows, the student's cost will gradually increase. Li Yunrong said.
For the advice to students, Li Yunrong said that one is to spend on a plan, do not spend it; the second is to treat lending products rationally and stay away from illegal lending; the third is to cultivate financial awareness and correctly view financial products.
police
Find a part-time job to improve your discernment, don't be greedy and cheap
In terms of anti-fraud propaganda, the Dali police have carried out campus activities many times to educate and guide the majority of students to establish correct concepts. Li Kaihui of the Propaganda Department of the Political Department of the Dali Prefecture Public Security Bureau said that as a student without financial resources, he is eager to make money through his own ability, so the scammers set traps by providing easy-to-earn high-paying jobs such as "part-time jobs in school", "Taobao part-time jobs", "online brushing", etc., so that students who do not know the truth fall into traps. Around the campus, there are also many advertisements for illegal lending platforms, but the means of guarantee and debt collection of such lending platforms are dark, setting loan traps, post-loan violent collection, when you can not repay on time, there will be high interest and late fees.
The police hereby remind the students:
1. Improve the ability to distinguish
Many students have less contact with society, simple thinking, lack of due ability to distinguish some people or things, and the analysis of things often stays on the surface, so that fraudsters have the opportunity to take advantage.
2. Don't be greedy and cheap
Greed is the biggest psychological disadvantage of the victim. The reason why many fraudsters have repeatedly cheated is to a large extent to take advantage of people's bad mentality. Students think that they can get the greatest benefits and benefits at the lowest cost, see "profit", flock to it, do not think deeply about and analyze what the fraudsters do, and finally end up with a sad end of "picking up sesame seeds and losing watermelons".
3. Strengthen communication with teachers and parents
Students should communicate more with their parents, let their parents understand their situation in school, do not give scammers an opportunity to take advantage of; communicate with counselors and teachers, and ask the teacher for help at the first time when they encounter difficulties in life!
Spring City Evening News-Kaiping News Reporter Yang Weiqi Correspondent Ma Guanxue Li Siying Li Maoyin Photo Report
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