基于Kruskal-Wallis检验的“互联网+消费金融”使用行为研究

Research on Use Behavior of"Internet+Consumer Finance"Based on Kruskal-Wallis Test

采用问卷调查方法,基于Kruskal-Wallis检验,研究了性别、年龄、学历、收入、网购时间、每月网购次数、网购金额和“互联网+消费金融”使用行为之间的关系。结果显示:“互联网+消费金融”使用人群,以女性居多,年龄主要集中在25~40岁,收入以5001~8000元居多,购买的产品主要是衣着、化妆品、手机数码等低值易耗品;同时,性别、年龄、学历、网购时间、网购金额,对“互联网+消费金融”使用意愿具有显著性不同。

Using the method of questionnaire and Kruskal-Wallis test,this paper studies the relationship between gender,age,education background,income,online shopping time,monthly online shopping times,online shopping amount and the use behavior of"Internet+consumer finance".The results show that the majority of users of"Internet+consumer finance"are women,mainly aged 25~40,and their income is mainly 5001~8000 yuan.The products they buy are mainly low-value consumables such as clothing,cosmetics,mobile phone,digital products,etc.Besides,gender,age,education background,online shopping time and online shopping amount have significantly different willingness to the way of"Internet+consumer finance".