近年来，“淘宝”、“京东”、“拼多多”等为电商提供销售平台的app发展越来越迅速，为方便消费者的网购操作，互联网消费信贷应运而生。作为网购主力军的大学生群体也有越来越多的人开始使用互联网信贷。然而，针对大学生陷入校园信贷陷阱的报道屡见不鲜。由此来看，大学生群体对互联网信贷的需求产生了问题。而找出大学生群体错误认知互联网信贷的原因，纠正大学生消费者使用互联网信贷的错误行为并且让信贷更具积极意义是解决问题的关键所在。

      In recent years, "taobao", "jingdong", "pinduoduo" and other apps that provide a sales platform for e-commerce have been developing more and more rapidly. In order to facilitate the online shopping operation of consumers, Internet consumer credit came into being. More and more college students, the main force of online shopping, are also using Internet credit. However, reports of college students falling into the campus credit trap are not uncommon. From this point of view, college students' demand for Internet credit has created problems. The key to solve the problem is to find out the reasons for college students' wrong cognition of Internet credit, correct the wrong behavior of college students' using Internet credit and make credit more positive.

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