校园贷的统计调查与分析

Statistical Investigation and Analysis of Campus Loan

通过网络调查大学生校园贷的情况,运用统计软件SPSS构建统计模型对校园贷进行深入定量分析。结果表明,大学生对校园贷了解不深入,缺乏对诱骗贷款之类陷阱的防范意识,还款能力弱。即使在如期还款的情况下,随着分期时长的增加,每月还款额、服务费与总还款额叠加式提高,随之而来的是不堪重负的债务压力,更不用说未能如期还款的情况下所面临的债务惨剧了。高服务费、高违约金、高利息,使大学生易入"连环贷"的陷阱。

This article aims at researching the campus loans,we build statistic model through analyzing the relations between actual payment amount of installment and the time of installment as well as loan amount,applying SPSS software to solve and analyze.The results show that college students do not understand the campus loan deeply,and lack the awareness of the trap of luring the loans,and the ability to repay the loan is weak.At the same time,the campus loan repayment schedule in case,along with the increase of installments,the monthly repayment amount,service fees and the total payments superimposed increase,followed by a heavy debt pressure,not to mention the face failed to timely repayment in case of debt tragedy.High interest,high liquidated damages and high service charge,undergraduates has entered into a trip of＂serial loans＂.