Analysis of Causes and Countermeasures of Campus Loans Based on Maslow’s Hierarchy of Needs

Abstract

With the development of Internet Finance, Campus loan, as a kind of online loans, sprung up in the universities and colleges across China, bringing about some social issues that have widely attracted much concern of the public. To address those issues, the study deeply analyzed the psychological reasons of college students participated in campus loans, with the guidelines of Maslow’s Hierarchy of Needs from aspects of physical needs, safety and security needs, belonging and love needs, esteem needs, and self-actualization needs. Based on the above analysis, a comprehensive prevention system was established to discuss how to take measures from five levels, namely, individual improvement, family education, college education and social environment, so as to better solve problems and guide college students to use loans with healthy consumption perception in a legal way.