First, establish a rational consumer psychology:

1, put an end to the unhealthy phenomenon of vanity and blind obedience, and avoid leading consumption and blind consumption. If there is consumer demand, you can explain the situation to your parents, pay for living expenses or ask teachers and classmates for help.

2. Put an end to advertisements that don't believe in low-interest and fast-paced lending platforms, prevent falling into the usury trap, and call the police at the first time to avoid getting burned.

3. Personal credit information should be inquired through official channels such as the credit information department of the local people's bank or the information service platform of the credit information center of the People's Bank of China. If you have any questions, you should call the official customer service phone of the Credit Information Center for consultation.

Second, strengthen the study of financial consumption and network security knowledge:

1. Understand financial knowledge such as simple interest, compound interest, liquidated damages and late fees, improve financial management knowledge, and enhance the ability to identify and prevent illegal online loan fraud.

2. Don't trust any loan products easily, especially acquaintances. Be vigilant, don't fill in personal information and bank information casually, and pay attention to the protection of personal privacy.

3. Establish a correct consumption concept, rationally consume, don't compare with others, don't listen to any propaganda of campus loans, resolutely refuse all kinds of APP loans, keep the bandwidth of personal files well, don't lend out, don't help friends with loans, and the loans must go to formal financial institutions, strengthen the awareness of prevention, and identify the traps in the middle.