摘要
大学生互联网消费信贷行为日渐流行,便利的同时伴随着“校园贷”事件的频发,认知互联网消费信贷有助于在防控风险的基础上,有针对性地满足大学生的金融需求,规范市场。本研究通过设计问卷调查收集数据,在分析安徽省大学生互联网消费信贷行为现状的基础上,建立Logistic回归模型,实证研究大学生互联网消费信贷行为的影响因素。研究结论表明:互联网消费信贷在大学生群体中认知度和普及度较高,未来将会有更多的大学生使用互联网消费信贷;大学生互联网消费信贷选择最关注信贷平台安全性和违约后果及影响。最后结合研究结果对规范大学生互联网消费信贷提出针对性建议。
Internet consumption credit is becoming increasingly popular among college students.Its convenience is accompanied by the frequent occurrence of"campus loan"events.A better understanding of Internet consumption credit helps to meet the financial needs of college students in a targeted manner on the basis of risk prevention and control.This study collects data by designing a questionnaire survey.Based on the analysis of the current status of Internet consumption credit behavior of college students in Anhui Province,a Logistic regression model is established to empirically study the influencing factors of college student Internet consumption credit behavior.The research shows that Internet consumption credit has a higher awareness and popularity among college students,and more college students will use Internet consumption credit in the future;security and default consequences will have the most significant influence on college students′choice of Internet consumption credit.Finally,based on the results of the study,specific suggestions are made for regulating Internet consumption credit for college students.
作者
刘玉兰
郭刘生
LIU Yu-lan;GUO Liu-sheng(School of Economics and Law,Chaohu University,Chaohu Anhui 238024)
出处
《巢湖学院学报》
2020年第5期80-90,共11页
Journal of Chaohu University
基金
巢湖学院“国元证券金融实践”科学研究项目(项目编号:GYJS-201902)
巢湖学院校级科研项目(人文社科)(项目编号:XWY-201901)
巢湖学院校级一般教学研究项目(项目编号:ch18jxyj33)。
