摘要
随着“互联网+金融”的迅猛发展,在线消费金融服务产品因简便灵活而受到年轻消费者的青睐,但使用任何一种信用产品都存在着逾期的可能。选取蚂蚁花呗为代表,以全国范围内的大学生为调查对象,通过发放问卷获得第一手数据,发现蚂蚁花呗的市场认可度较高,营销策略起主要作用;大学生逾期还款的情况虽不占主体地位,但仍不容忽视。同时借助二元Logistic回归模型对大学生逾期还款行为发生的可能性进行识别和深入分析,最终确定出容易逾期的人群为男性、处在一线、新一线城市且不做支出计划的大学生。
With the rapid development of"Internet+finance",online consumer financial service products are favored by young consumers because of their simplicity and flexibility,but there is a possibility of overdue for using any kind of credit product.Select Ant Huabei as a representative,take nationwide college students as the survey object,and obtain first-hand data by issuing questionnaires.It is found that Ant Huabei has a high degree of market recognition and marketing strategies play a major role;although the situation of overdue repayment by college students do not occupy the dominant position,it still can not be ignored.At the same time,with the help of binary Logistic regression model,the possibility of overdue repayment behavior of college students was identified and in-depth analyzed,and finally it is determined that the group prone to overdue is male,college students in the first tier and new first tier cities who do not make expenditure plans.
作者
王晓玲
赵娇娇
李校瑞
胡贝贝
王志娟
WANG Xiao-ling;ZHAO Jiao-jiao;LI Xiao-rui;HU Bei-bei;WANG Zhi-juan(School of Mathematics and Statistics,Shanxi Datong University,Datong Shanxi,037009)
出处
《山西大同大学学报（自然科学版）》
2022年第4期38-43,共6页
Journal of Shanxi Datong University(Natural Science Edition)
基金
山西省哲学社会科学规划课题[2020ZW002]
山西大同大学产教融合科研基金项目[2019CXK2]。
