《助学贷款受信学生债务容忍度量表》的预测效度研究

On the Predictive Validity of Credited Students' tolerance of Debt Scale

基于对助学贷款受信学生特质债务容忍度的理论研究,课题组编制了《助学贷款受信学生债务容忍度量表》。通过对92名助学贷款受信学生还贷情况的追踪研究,以及将不同特质债务容忍度学生群体还贷行为差异比较研究发现:该量表的预测效度较高,能够作为预测受信学生还贷行为趋势的工具。

The project team compiled ＂Credited Students＇ tolerance of Debt Scale＂ in the perspective of the theoretical research on credited students＇ tolerance of debt. It was found that the scale＇s predictive validity is quite good, thus being a very reliable tool for forecasting the trends of credited students＇ repayment through investigating 92 credited students＇ repayment and comparing the repayment behaviors from credited students with different characteristics of tolerance debt.