At the same time, suggestions are made to the related administer for founding policies to prevent the possible overspending of credit card by college students and the subsequent debt problem.

• 研究结论对商业银行的大学生信用卡产品的营销有着借鉴作用，同时为相关监管机构预防可能发生的大学生过度使用信用卡引发债务问题等制定政策提供了建议。