高校“校园贷”风险调查及对策研究——基于Logistic回归模型的实证研究

Risk investigation and countermeasure study on “campus loan” in colleges——Empirical research based on Logistic regression model

近年来,“校园贷”因其放款门槛低、速度快等特点吸引着众多大学生,在为大学生带来了便利的同时也带来了许多危害,很多大学生深陷“校园贷”陷阱。在通过访谈和调查问卷获取数据的基础上,采用Logistic回归分析模型,运用stata12.0软件对大学生的性别、学历、生活费盈余状况、风险认知、征信意识、行业规范程度等六个因素是否影响大学生选择校园贷及其影响系数进行分析,结果显示大学生的生活费盈余状况、征信意识、规范程度对其是否选择校园贷具有显著影响。以此为基础,可以从树立大学生正确消费观和征信意识,完善对“校园贷”的监管等途径入手,力争从根源上遏制“校园贷”乱象。

In recent years,“campus loan”has attracted many college students because of its low threshold and fast speed.It brings convenience to college students and also brings many harms.Many college students are trapped deeply in the“campus loan”trap.Based on the data obtained through interviews and questionnaires,the Logistic regression analysis model was used to analyze the six factors such as the gender,education level,surplus of living expenses,risk perception,credit consciousness and industry standardization of the students using stata12.0 software.The analysis of whether college students choose campus loans and their impact coefficients shows that the college students’surplus of living expenses,credit consciousness and standardization have a significant impact on whether college students choose campus loans,and then put forward countermeasures and suggestions to strive to curb the“campus loan”disorder from the root cause and to prevent college students from falling into bad campus loans.