网络消费信贷推广对过度消费的“助推”问题研究

Research on the Problem of the “Nudging” Effect of the Promotion of Online Consumer Credit on Excessive Consumption Behavior

"开正门""堵偏门"一直是过去对网络消费信贷进行合规治理的重点。然而,在清理了大批违规网贷平台之后,消费债务过度的社会现象却依然突出。本文通过对网络消费信贷决策过程、影响作用和干预手段的梳理,分析了网贷企业的大量推广活动"助推"青年利用网贷进行过度消费的心理机制及干预方法。在此基础上,提出了在网络消费信贷过程中引入决策支持工具、说明性解释工具和专业金融社会工作服务等多条路径对上述现象进行心理干预。

The campaign to crack down irregular online consumer credit platforms has been the focal point in tackling excessive consumer debt problem in the past. However, after cleaning up a large amount of irregular online consumer credit firms, the social issue of excessive consumer debt is still prominent. By reviewing the decision-making process, influence and intervention means of online consumer credit, this study proposed the psychological mechanism and intervention methods of the"nudging"effect of the promotion of online consumer credit on excessive consumption behavior. Based on this psychological process, this study proposed that decision support tools, explanatory tools and professional financial social work services should be introduced into the process of online consumer credit decision to intervene the above phenomena.