基于结构方程模型的校园贷乱象原因分析

Using Structural Equation Modeling to Analyse the Causes of Campus Loan Disorder

在参考各类相关文献的基础上,采用实地问卷调查为主、网络问卷调查为辅的方法,调研并收集相关数据,构建结构方程模型进行定量分析,探究校园贷乱象频发的原因,并提出相应建议.由分析可知,学校对校园贷的重视程度、学生的消费态度、学生对贷款协议的了解、学生对利率的认知以及校园贷申请手续的方便程度都对校园贷乱象的产生有一定影响,其中学校对校园贷的重视程度影响最大,学生对贷款协议的了解影响最小.

We investigate and evaluate with the methods of questionnaires,field work and document consulting in Zhejiang Province and develop a structural equation model to quantitatively analyze the causes of the campus lending.Additionally,we make recommendations to the relevant authorities based on our conclusions.From the analysis,it can be seen that school's attention degree of campus lending,students'attitude towards consumption,their understanding of the loan agreement,their knowledge of the interest rate and the convenience of the application procedures for the campus loan all these factors exert certain effects on this problem.Overall,school's attention degree of campus loan has the greatest impact.But students'understanding of loan agreement has the least impact.