大学生校园网贷消费行为影响因素分析——基于福建省大学生消费情况调查的实证研究

Influential Factor Analysis on the Campus Network Loan for College Students’ Consumption Behavior ——Based on the Survey of Undergraduates’ Consumption in Fujian Province

文章以福建省834个大学生网络问卷数据为例,运用SPSS统计软件进行统计与logistic模型分析,对大学生消费能力及校园网贷影响因素进行实证分析。分析结果表明:大学生总体上消费较为合理,部分存在超前消费行为;大学生对校园网贷看法、借贷时对自身还款能力的考虑程度、对每月生活费的满意程度、生活费来源、周边朋友的网贷情况等因素对大学生网贷发生概率具有显著影响。最后,根据分析结果,提出针对性的对策措施。

Taking the questionnaire data from 834 undergraduates in Fujian Province as the example,Logistic model analysis was carried out with SPSS to analyze undergraduate students’ consumption potential and the influence factor for campus network loan. The results show that their general consumption is reasonable but there are some deficit spending behaviors. The main influence factors include their attitude to campus network loan,their own evaluation of reimbursement ability,satisfactory level of their living standard,the resource of income,and their peers’ loan situation. Based on the analysis,some solutions are proposed.