大学生网贷需求及其影响因素分析——基于湖北省6所高校的微观调查数据

Analysis on College Students' Net Loan Demand and Related Influencing Factors:Based on Micro Investigation Data of Six Colleges in Hubei Province

以湖北省武汉市618个大学生的调查数据为例,采用Logistic模型,对大学生网贷需求的差异及影响因素进行实证分析。研究表明:月支出额度不同的大学生对网贷认知以及网贷需求意愿都存在着明显的差异,进而揭示出信用认知在网贷需求中的重要性;性别对于大学生网贷需求的影响具有不稳定性;年级、学校性质、月收入、家庭性质(城市或乡镇家庭)、家庭对网贷的态度、网贷认知、网贷认知意愿等对网贷需求的影响为正。最后,提出针对性的对策建议,以促进大学生网贷行业的健康发展。

Based on the survey data of 618 college students from the city of Wuhan of Hubei Province,this paper uses Logistic model to analyze the differences and influencing factors of College Students’net loan demand. Research shows that the students with different the monthly expenditure amount have remarkably different the net loan cognition and demand, and further reveals the importance of credit awareness in the net loan requirements; gender is not stable in influencing college students’net loan demand; grade, school property, monthly income, family property, family attitudes on the net loan, net loan cognition, net loan cognition and so on will have positive influence on the net loan demand.Finally, some countermeasures and suggestions are put forward to promote the healthy development of College Students’net loan industry.