大学生互联网金融消费行为分析与对策建议——基于大学生校园贷使用的问卷调查

Analysis of College Students' Internet Financial Consumption Behaviors and Their Countermeasures——A Case Study of College Students' Campus Loan

调查发现,大学生群体存在巨大的消费需求和消费潜力。大学生互联网金融消费行为存在风险意识不强、规则意识欠缺等问题,互联网校园金融消费在吸引众多人气的同时也存在不规范之处。文章提出有序开发互联网校园消费金融市场、规范互联网校园金融市场秩序、强化大学生财商教育、加强联动管理等对策建议。

The investigation reveals that there is a tremendous consumption demand and potential among college students. There exist several problems in college students ’ internet financial consumption, such as the low risk awareness and lack of rule awareness, while Internet campus financial consumption has its own irregularities as well as its attractions. Therefore, the paper presents some corresponding countermeasures, including orderly developing Internet campus financial consumer market, regulating Internet campus financial market order, strengthening college students＇ financial and business education, and enhancing the integrated management.