当代大学生的网络信贷观念及行为

Research About Contemporary College Students' Perception and Behavior of Online Loans

本文主要探究当代大学生的消费观念、理财观念与使用网络信贷的行为之间的关系。通过对来自全国不同专业的大学生群体的问卷调查,发现大学生群体使用网络信贷产品与否在理财行为和理财知识方面不存在显著差异,但大学生的消费观念与借贷行为有较直接的因果关系。研究在总结大学生网络信贷产品使用特点的基础上,对政府如何进一步规范和引导信用贷款市场有序发展提出了建议。

This study mainly explores the relationship among consumption values,financial management knowledge and the behavior of online credit loans. On the basis of a questionnaire survey conducted among college students from all over the country in different majors（ N = 1060）,it turns out that there is no significant difference in their knowledge of financial management and their use of online loans. However,the consumption values of college students significantly relate to their online loans behaviors. According to these data,this study draws a conclusion about the characteristics of students ＇ use of online loans,and also provides suggestions to our government for it to further manage the online loans market.