摘要：随着中国经济的不断发展，政府决定实行在校大学生扩招以来，在校大学生人数不断增加，到2012年，全国在校大学生总人数已达到2308.5万人，他们的消费贷款潜力是不可忽视的，改革开放带来的不仅是中国经济上的腾飞，同时也让传统的中国在校大学生的消费贷款心理及消费贷款行为发生了变化，通过对重庆市沙坪坝区大学城数10所高校在校大学生的消费贷款进行统计，对统计结果进行分析，我发现加强在校大学生的政治教育，引导在校大学生树立一个良好科学的消费贷款是十分重要的，这样才能建立良好的社会风尚，养成良好的社会风气，在统计结果中表明，现在的在校大学生消费贷款大多数是比较理想，积极向上的，但是也有大多数的在校大学生是盲目消费贷款，随意跟风，以重庆市沙坪坝区大学城为例，通过重庆捷信金融服务有限公司的2012年12月份学生消费贷款贷款比例来看，在校大学生的消费贷款占了重庆捷信金融有限公司大学城日常消费贷款的额的75%，消费贷款额高达到60万，其中包括学生的购买时尚电子产品，家用电器（台式电脑）以及现金贷款。

　　　本文通过对重庆市沙坪坝区在校大学生日常消费贷款的一个统计，并且对重庆捷信金融服务有限公司的内部数据进行分析，研究在校大学生的消费贷款心理及行为，通过了解国内外在校大学生的消费贷款现状进行分析，以及对消费心理及消费行为的界定，影响在校大学生日常消费贷款心理和行为的因素，得出了在校大学生的消费贷款行为以及消费贷款心理将是社会消费贷款发展的主流，我们应该科学引导大学生进行消费贷款行为以及健康的消费贷款心理

关键词 ：在校大学生 消费贷款 心理行为

ABSTRACT：With the development of China's economy, since the government decided to implement the student enrollment, the college students increases unceasingly, to 2012, the total number of students has reached 23085000 people, their consumption loans potential can not be ignored, the result of reform and opening up is not only China's economic take-off, changes in psychological and consumer loans consumer loan behavior also let the traditional Chinese college students, a questionnaire survey by consumer loans psychology and consumer loans from 10 universities in Chongqing city Shapingba District University City several college students, through the research and analysis of the results of the investigation, I found that the strengthening of political education of college students, guiding students to establish a a good scientific consumption loans is very important, so as to establish a good social fashion, to form a good social atmosphere, indicated in the survey, college students consumer loans now is the most ideal, positive, but there are also the majority of college students is the blind consumer loans, will follow the trend, to the City University of the District of Shapingba Chongqing city as an example, through the Chongqing Gitzo financial services Company 2012 December student loan loan scale, university students consumption loans accounted for Chongqing Jiexin Finance Limited University City daily consumer loan amount of 75%, consumer loans of up to 600000, including students purchase fashion electronic products, household electrical appliances (desktop computer) and cash loans.

　　　Based on the study of college students daily consumption loans psychology and behavior, through the analysis of consumer loan status of domestic and foreign students to understand, and the definition of the consumption psychology and behavior of college students, daily consumption loans psychological and behavioral factors, the behavior of college students consumption loans and consumer loans psychology will be the mainstream of development of social consumption loans, we should scientifically guiding students to consumer loan behavior and psychological health of consumer loans

Keywords: college students ；psychological behavior of consumer loans

　　　近几年来随着中国经济体制和教育改革体制的不断深入，在校大学生的生活费来源及消费贷款心理，消费贷款行为呈现出差异性和多样性的趋势。通过重庆捷信金融服务有限公司学生消费贷款的数据分析重庆市沙坪坝区在校大学生的消费贷款现状，并予以客观的描述，旨在探讨在校大学生的消费贷款心理和消费贷款行为特征，引导在校在校大学生客观、冷静、正确地审视自己的消费贷款现状，树立积极、健康的消费贷款观念。