河南省大学生消费信贷行为的影响因素分析

Analysis of the Influencing Factors of Consumption Credit Behavior of College Students in Henan Province

近年来,大学生生活方式的多样化引发了大学生消费观念的转变。大学生的消费需求不再仅仅局限于伙食费和衣服,旅游、社交、电子产品等方面的需求日益增加,从而大大增加了大学生的资金需求。大学生的生活费比较固定且来源单一,而消费信贷不需要任何抵押的借贷模式无疑成为很多缺乏资金的大学生获取资金的首选方式。

In recent years, the diversification of college students＇ lifestyles has led to a change in the consumption concept of college students.The consumption demand of college students is no longer limited to food and clothing, and the demand for tourism, social intercourse and electronic products and other aspects is increasing day by day, which greatly increases the demand for funds of college students. The living expenses of college students are relatively fixed and the source is single, and the borrowing mode of consumption credit does not require any mortgage, which undoubtedly becomes the first choice for many unfunded college students to obtain funds.