互联网金融背景下大学生信用消费的调查与研究——以惠州市高校为例

Investigation and Research on Credit Consumption of College Students under the Background of Internet Finance——Take Huizhou Colleges and Universities as an Example

在互联网金融信用消费日益增长的同时,大学生这个特殊的消费群体成为各大互联网信贷平台争夺的重要目标人群。但是,大学生对此认知不够全面、自制力差、缺乏理性。针对大学生的互联网信用消费使用现状展开问卷调查和统计分析,并深入剖析其中的原因,分别从个人、家庭、学校、社会四个层面提出相应的对策建议。

While Internet financial credit consumption is increasing day by day,college students,a special consumer group,has become an important target group for competition among major Internet credit platforms.College students are not fully aware of this,lack of self-control,and lack of rationality.They are the main force of credit consumption.Conduct questionnaire surveys and statistical analysis on the current status of Internet credit consumption of college students,and analyze the reasons in depth,and give corresponding suggestions from the four levels of individual,family,school,and society.