基于SCL-90量表的大学生助学贷款违约心理分析

Psychological Analysis of College Student's Loan Defaults Based on the SCL-90

采用整群随机抽样的方法抽取湖南工程学院2006-2009级助学贷款大学生494人,非贷款大学生591人,助学贷款违约大学生30人,进行了SCL-90量表测量和分析,结果表明:违约大学生SCL-90各因子值均高于全国大学生常模;违约大学生躯体化、强迫症状、焦虑因子值低于贷款大学生,其余6项因子均高于贷款大学生;违约大学生除强迫症状低于非贷款大学生外,其余均高于非贷款大学生;违约大学生女生躯体、忧郁、敌对因子值高于男生,其余测量值均低于男生。

We have measured and analyzed 1115 students of grades 2006-2009 from Hunan Institute of Engineering by using cluster random sampling method and SCL-90 chart,of whom 494 had loans,591 had no loans,and 30 defaulted. Findings show that the SCL-90 indexes of the defaulting students are higher than the national norm. The defaulting students＇ somatization,obsessive-compulsive symptoms,and anxiety factor values are lower than those who had loans, while the remaining six factors are higher than those students. Except the obsessive-compulsive symptoms, all the other factors of the students with loans were higher than those wothout loans,Female students＂ somatization, depression, hostility factor values are higher than male students,hut the rest values are lower than bovs.