大学生债务容忍度的结构特征及其测量

On the Structural Features and Measurement of the Debt Tolerance of University Students

基于国内外已有研究,采用自编问卷,探讨了助学贷款受信学生债务容忍度的结构特征。探索性和验证性因素分析的结果表明,受信者债务容忍度可基于债务认知、负债压力和债务监控三个维度进行评价;由此形成的助学贷款受信学生债务容忍度问卷具有较理想的项目区分度,较高的同质性,良好的区分效度和可接受的构想效度;男性受信者对债务相关行为具有更高的监控意识和能力,且初入学的大学生和即将毕业的大学生对债务具有更高的容忍度。

Based on existing studies at home and abroad, a self-designed questionnaire was used to explore the structural features of debt tolerance of students who get a loan. Through exploratory and confirmatory factor analysis, the results show that 1） students＇ debt tolerance can be assessed from three dimensions, i, e. cognition of liability, in-debt pressure and liability surveillance; 2） so the questionnaire has an ideal item discrimination, higher conformity, better discrimination validity and acceptable construct validity; 3） male students have much higher monitor consciousness and capabilities relevant to in-debt behaviors; freshmen and senior students have much higher tolerance of their debts.