大学生网络金融风险意识影响因素研究——基于安徽省5所高校调研数据的实证分析

Research on the Influencing Factors of College Students’ Awareness of Internet Financial Risk——An Empirical Analysis Based on the Field Survey Data of Anhui Province

网络金融风险意识薄弱是大学生在网络金融活动过程中遭遇各种风险和问题的原因,风险意识的形成和改变是各种影响因素作用的结果。文章从我国大学生面临的网络金融风险现状出发,基于安徽省5所高校的实地调研数据,分析了我国大学生网络金融活动现状和网络金融风险意识的影响因素,并且利用多元Logistic回归模型对大学生网络金融风险意识影响因素进行了实证检验。研究发现,我国大学生网络金融风险意识薄弱,网络金融风险防范能力较差;消费观念和学校教育对大学生网络金融风险意识影响最显著,金融理财基础知识和家庭教育也存在显著影响,政府监管因素影响力度有限。

Weak awareness of network financial risks is the reason why college students encounter various risks and problems in the process of network financial activities.The formation and change of risk awareness are the results of various influencing factors.Based on the current situation of network financial risks faced by college students in China,this paper analyses the current situation of students’network financial activities and the influencing factors of students’awareness of online financial risk based on field survey data of 5 colleges in Anhui Province.The influencing factors of College Students’online financial risk awareness are empirically tested by using multiple logistic regression model.The study finds that college students’awareness of network financial risk is weak and their ability to prevent network financial risk is poor;Consumption concept and school education are the two most significant factors affecting college students’awareness of network financial risk.Basic financial management knowledge and family education also have significant impact,and the influence of government supervision factors is limited.