摘要
青年群体自身的认知态度及面临的外部刺激因素会导致超前消费行为。本文以刺激反应(SOR)模型为依据,构建互联网金融背景下青年群体超前消费行为的影响因素模型。收集被试样本205份,利用SPSS26.0和AMOS26.0进行数据分析。结果表明,信贷产品对认知态度有显著的正向影响,青年群体自身的认知态度对其超前消费行为也有显著的正向影响。因此,在引导青年群体合理消费方面,建议加强对第三方支付及信贷产品的规范和监管;引导青年群体对超前消费行为形成正确认识;树立正确的消费观和金钱观。
Cognitive attitude of the young people and external stimulus may lead to their deficit spending behavior.Based on the SOR theory model,the paper constructs a model of deficit spending among the young people in the context of Internet finance.We collect 205 samples of the subjects aging between 18 and 35.Through data processing with SPSS26.0 and AMOS26.0,the results show that the credit products have a significant positive effect on cognitive attitude,and the cognitive attitude of young people has a significant positive effect on their deficit spending behavior.Therefore,to guide the young people’s rational consumption,the paper suggests that supervision of the credit platforms and commission businesses should be enhanced.At the same time,we should pay more attention to the young people’s value education so that the young people may have a correct perception on deficit spending,and form a correct view on consumption and money.
作者
王文君
张玉洁
涂远芬
WANG Wenjun;ZHANG Yujie;TU Yuanfen(School of Business Administration,Nanchang Institute of Technology,Nanchang 330099,China)
出处
《南昌工程学院学报》
CAS
2023年第2期84-90,共7页
Journal of Nanchang Institute of Technology
基金
江西省大学生创新创业训练计划一般项目(s202011319026)。
关键词
青年群体
超前消费
影响因素
young people
deficit spending
influencing factor
