Research on the Optimization Path of the Management of Financial Support for University and College Students from the Perspective of Financial Security—Reflections on the Illegal Campus Loan

Abstract

The rapid development of Internet finance has spawned a number of non-compliant campus lending platforms. These illegal institutions or platforms take advantage of the immature consumption concept and lack of discernment of college students under the banner of solving urgent needs, resulting in them falling into tremendous economic pressure, which undoubtedly buries major hidden dangers for their academic development and mental health. Accordingly, the causes and harm of illegal campus loans are analyzed from the perspective of financial security, and the widespread popularity of illegal campus loans has sounded the alarm for college students. Subsequently, the current situation of the management of financial support for university and college students is intensely studied, and the ways to optimize the management are explored, which may provide a new idea for contemporary college students to meet their necessary expenses through financial support for university and college students, such as part-time study, student loans, bursaries.