在校大学生网络贷款意向实证研究——基于广东省20所本科院校的调查

An Empirical Study of College Students' Intention of Applying for Internet Loan——A Survey Based on 20 Universities of Guangdong

近年来,大学生网络贷款引发了一系列社会问题。本文通过对广东省大学生群体进行抽样,选择了20所本科院校采用问卷调查和访谈的方式进行调研,发现生活费来源、消费习惯、高消费品消费方式和还款占比是大学生网络贷款的主要影响因素。不选择超前消费、生活费来源的多元化、还款额占比的增加及压力增大、高消费品消费方式趋于保守的大学生群体,贷款可能呈现降低的趋势。为了建立良好的互联网贷款市场秩序,预防大学生网络贷款带来的危害,应该提高大学生的自身素质,规范大学生互联网贷款平台管理,加强政府监管及高校管理,共同构建整体化教育引导对策。

Recently, college students＇ internet loan has triggered a series of social problems. Through sampling of major universities in Guangzhou, this paper carried out investigations via questionnaires and interviews in 20 universities, and found that sources of living expenses, consumption habits, consumption of high consumer goods, and repayment proportion are major influence factors for college students＇ internet loan. This paper also found that： college students who reject premature consumption have diversified sources of living expenses; college students＇ stress tends to increase when their repayment proportion increases; and the more conservative college students are in the consumption of high consumer goods, the less likely they will be to apply for internet loan. To construct a sound internet loan market order and to prevent harm brought about by college students＇ internet loan, we should improve college students＇ qualities, standardize management of internet loan platform, strengthen government supervision and university management, and construct integrated education and guidance countermeasures.