消费行为、社会关系信任与大学生借贷实证研究

An Empirical Study on Consumption Behavior, Social Relationship Trust and University Students' Loan

本文基于二元Logit模型与有序多分类Logit模型对影响大学生是否借贷与借贷程度的相关因素进行实证检验,发现个人特质、消费行为与社会关系信任对大学生借贷行为存在不同程度的影响。进一步研究表明:(1)男生与高年级学生借贷参与率更高,但高额借贷发生比却更低;(2)月生活费处于中高水平的大学生与非独生子女大学生更易于借贷,且借贷程度也相对较高;(3)压力催生下的强迫型购买显著提升大学生借贷参与率并增加高额借贷发生比;(4)家庭与学校关系信任对减少大学生借贷有显著正向作用。为此,需对易于产生强迫型消费行为的大学生作心理疏导,重视家庭与学校的积极参与作用,并适当加强对更易于产生不良借贷的女生、低年级学生、月生活费处于中高水平的学生及非独生子女学生群体的关注。

Based on the binary Logit model and ordered multi-classification Logit model, this paper empirically tests the related factors that affect whether college students borrow and how much they borrow. It is found that personal traits, consumer behavior and trust in social relations have different effects on College Students' borrowing behavior. Further research shows that:(1)boys and senior students have higher participation rate in loans, but the ratio of high loans is lower;(2)college students with middle or high monthly living expenses and non-only-child students are more likely to borrow, and the degree of borrowing is relatively high.(3)pressure-driven compulsory purchases significantly increase the participation rate of college students in lending and increase the ratio of high loans;(4)trust between family and school has a significant positive effect on reducing college students' borrowing. Therefore, it is necessary to provide psychological counseling to college students who are prone to compulsive consumption, to attach importance to the active participation of families and schools, and to pay more attention to the groups of girls, junior students, students with middle or high monthly living expenses and non-only-child students who are more prone to bad loans.