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5、 ! 1 h n 8 bK ,v 3 F h n 1 p , 5 L i 5 ,1 0 I n B y , e h n “ , X m a W f L b B ! , B 3 , K N , null B v $ null, , Y bOn College Students Credit OverdraftZhang Haijian, Wang Qinqin(College of Inf ormation Science andEngineering, Ludong University , Yantai , Shandong, 264025, China)Abstract: After an analysis of college students credit consumption in recent years, this paper probesinto the reasons why they tend to overdraw, discusses its hazards and finally offers some advice.Key words: college students; credit card; credit overdraft; credit consumption30 null v 3