通过研究大学生信用卡透支消费额回收制度，对国家助学贷款的回收方式提出了一些建议。
Through the study on the recovery methods of the college student credit card, this paper puts forward some recovery methods of national student loan.
倡导理性消费，帮助大学生构建文明健康的生活方式；
Reasonable consumption should be urged to help students form healthy style of life, and learn how to manage money affairs.
通过本文，来帮助大学生树立正确的消费观念，引导大学生确立健康文明的生活方式。
Through this paper, to help students establish a correct concept of consumption, and guide students to establish healthy and civilized way of life.
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