The picture vividly presents us a person-like board of “online loan platform”, with dancing eyebrows and radiant face, uses one hand to lure customers to come and another hand pointing to the direction of “extravagant consumption”. On the right side of the picture, a university student goes to the direction happily and willingly with one hand grabbing the bag of loan.

From the above picture, we know that some online loans have seriously harmed the financial interests of students and brought them huge financial losses. As far as I am concerned, the reasons are as follows. Firstly, owing to the rapid development of digital era and technology, shady online lenders can flaunt well-designed and easy-to-use websites to rook university students of their money. Furthermore, some students can not maintain a rational sense of consumption. They blindly pursue luxury goods that are far beyond their ability to pay. Such irresponsible consumption is dangerous for working adults, but even more so for college students.

In view of the above problems, I think that apart from the need for the government to strengthen the regulation of Internet lending, students should also develop the habit of rational purchasing. Only in this way can we maintain a good online economic order.