Analysis of Causes and Countermeasures of Campus Loans Based on Maslow’s Hierarchy of Needs

Xuru ZHANG, Shuai LENG


With the development of Internet Finance, Campus loan, as a kind of online loans, sprung up in the universities and colleges across China, bringing about some social issues that have widely attracted much concern of the public. To address those issues, the study deeply analyzed the psychological reasons of college students participated in campus loans, with the guidelines of Maslow’s Hierarchy of Needs from aspects of physical needs, safety and security needs, belonging and love needs, esteem needs, and self-actualization needs. Based on the above analysis, a comprehensive prevention system was established to discuss how to take measures from five levels, namely, individual improvement, family education, college education and social environment, so as to better solve problems and guide college students to use loans with healthy consumption perception in a legal way.


Campus loans; College student; Maslow’s Hierarchy of needs; Causes and countermeasures

Full Text:



Cao, Y. X., Xiao, N., & Lü, Q. T., et al. (2017). Research and reflection on the campus loan-and the consumption concept of modern college students. Management & Technology of SME, (5), 49-50.

Fang, W. J. (2014). Study on college students’ mental health based on Maslow’s needs-hierarchy theory. Education and Vocation, (30), 91-93.

He, F. L. (2011). Needs theory in ideological and political educatio. Education Exploration, (10), 38-40.

Kishi, H., Ito, K., & Sugiura, S., et al. (2012). A study of Maslow’s hierarchy of needs and decision-making (pp.89-97). In Intelligent Decision Technologies. Springer Berlin Heidelberg.

Maslow, A. (1943). A theory of human motivation. Psychological Review, 50(4), 370-396.

Su, C. J. (2017). Psychology analysis and educational guidance of college students’ abnormal consumption under the background of campus network loans. Social Sciences in Guangxi, (7), 218-220.

Thielke, S., Thompson, H., & Patel, S., et al. (2012). Maslow’s hierarchy of human needs and the adoption of health-related technologies for older adults. Ageing International, 37(4), 470-488.



  • There are currently no refbacks.

Copyright (c) 2018 Canadian Social Science

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.


  • How to do online submission to another Journal?
  • If you have already registered in Journal A, then how can you submit another article to Journal B? It takes two steps to make it happen:

1. Register yourself in Journal B as an Author

  • Find the journal you want to submit to in CATEGORIES, click on “VIEW JOURNAL”, “Online Submissions”, “GO TO LOGIN” and “Edit My Profile”. Check “Author” on the “Edit Profile” page, then “Save”.

2. Submission

Online Submission

  • Go to “User Home”, and click on “Author” under the name of Journal B. You may start a New Submission by clicking on “CLICK HERE”.
  • We only use four mailboxes as follows to deal with issues about paper acceptance, payment and submission of electronic versions of our journals to databases:;;;

 Articles published in Canadian Social Science are licensed under Creative Commons Attribution 4.0 (CC-BY).


Canadian Social Science Editorial Office

Address: 1020 Bouvier Street, Suite 400, Quebec City, Quebec, G2K 0K9, Canada.
Telephone: 1-514-558 6138 
Website: Http://; Http://;

Copyright © Canadian Academy of Oriental and Occidental Culture