大学生网络信贷消费行为的同伴效应研究

The Peer Effect of College Students' on Line Credit Consumption Behavior

随着互联网金融的迅速发展,网络信贷消费逐渐成为年轻人常用的一种消费方式。本文根据网络问卷调查获取的相关数据,从同伴效应的视角研究我国大学生的网络信贷消费行为。研究发现:在网络信贷消费方面,整体而言,个体的行为显著受群体行为的影响,即存在明显的同伴效应。然而这种同伴影响,对于自律能力不同的学生,存在显著的差异,自律能力较高的学生,在网络信贷消费方面受同伴的影响较小,而自律能力较差的学生受到的影响较大。

With the rapid development of Internet finance,online credit consumption has gradually become a common consumption way for young people.Based on the data obtained from the online questionnaire survey,this paper studies the online credit consumption behavior of college students in China from the perspective of peer effect.The study finds that,individual behavior is significantly affected by the behavior of roommate groups,that is,there is a significant peer effect;however,for students with different self-discipline abilities,there are significant differences.Students with higher self-discipline abilities are less affected by the consumption of online credit,while the students with poor self-discipline ability are more affected.