“蚂蚁花呗”消费对大学生的影响研究--基于芜湖市5所高校

Research on the influence of “Ant Credit Pay” consumption oncollege students--Based on five colleges and universities in Wuhu

通过发放问卷的调查方法,对芜湖市5所高校学生“蚂蚁花呗”使用情况进行了调查和实证分析。建模分析结果显示,使用“蚂蚁花呗”对大学生消费金额有着显著的正向影响,“蚂蚁花呗”的使用缓解了大学生短期资金不足的问题,但众多借贷平台还处于起步阶段,隐藏的问题不可胜数。为保护大学生财产安全,完善相关法律法规建设、明确管理职能与指导方针迫在眉睫。

Based on the questionnaire survey, this paper investigates and empirically analyzes the use of "Ant Credit Pay" among students in five universities in Wuhu, and makes a modeling analysis.The results show that the use of "Ant Credit Pay";has a significant positive impact on the consumption of college students."Ant Credit Pay",the use of short-term funds to alleviate the shortage of college students.However, the new generation of college students’ own consumption concept, network financial platform and related regulatory system are still insufficient, resulting in some market risks.In order to protect the property safety of college students, it is urgent to perfect the relevant laws and regulations, and to clarify the supervision duties and measures.