大学生对P2P网贷风险认知现状及其影响因素研究

Research on The Present Status of Risk Perception of P2P Eloan in College Students and Its Influence Factors

在分层随机抽样调查500名在校大学生基础上,通过构建P2P网贷风险认知模型,采用多元有序回归法对大学生P2P网贷风险认知现状及其影响因素进行了定量分析。结果表明:大学生对P2P网贷风险认知处于较高水平,风险认知系数接近1.5;家庭情况指标是影响大学生P2P网贷风险认知的主要因素,另外消费观念和产品认知也对大学生P2P网贷风险认知产生显著影响;说明增加信息透明度、树立家庭健康理性的消费观念,是帮助大学生提高P2P网贷风险应对策略,促进校园金融生态良性发展的良策。

The present status of risk perception of P2P eloan in college student and its influence factors was made on the quanti- tative analysis, by constructing the cognitive risk perception model of P2P eloan and using the method of multiple ordinal regres- sion analysis, basing on stratified random sampling surveyed in 500 college students in Fuzhou. The results reveal that：college student＇s risk perception of P2P eloan was at a high level,and the risk perception coefficient was close to 1.5 ;Family condition was the main factor that affected student＇s risk perception of P2P eloan, in addition, it also had been affected significantly by the concept of consumption and product awareness. Correlation analysis showed that：The students＇ability of dealing with the risk of eloan would be improved and the development of campus finance would be promoted,through the ways which standardizing the market of P2P eloan by the government to increase the transparency of information, and establishing the rational consumer atti- tudes of family.