校园网贷对大学生消费行为的影响分析

Analysis of the Influence of Campus Network Loan on College Students’ Consumption Behavior

摘要: 随着线上支付进程的不断加深，越来越多有着强烈消费欲望的人群开始使用此类软件进行网络借贷。但是，其中有很多无稳定经济收入和健全消费观念的大学生盲目使用网贷。随着校园网贷的普及和频繁使用，大学生存在盲目攀比、激情消费、盲目消费等不良的消费心理。本文根据线上问卷调查数据，通过回归分析，对大学生校园借贷情况和消费行为等进行了深入的研究。得出结论，大学生消费行为受到本人对于网贷的了解情况、贷款使用时长、网贷是否逾期过以及家庭教育等因素的影响。意在通过这一分析结果，加深对我国大学生校园借贷现状的思考，对以后怎样去造就我国大学生的正确消费观念提出合理的看法和认识。

Abstract: With the continuous deepening of online payment process, more and more people with strong consumption desire begin to use such software for online lending. However, many college students without stable economic income and sound consumption concept blindly use online loans. With the popularity and frequent use of campus online loans, college students have bad consumption psychology such as blind competition, passionate consumption and blind consumption. Based on the online questionnaire data and regression analysis, this paper conducts an in-depth study on the campus loan situation and consumption behavior of college students. The conclusion is that college students’ consumption behavior is affected by their understanding of online loan, the length of loan use, whether the online loan is overdue, and family education. The purpose of this analysis is to deepen the consideration of the current situation of college students’ campus loan in China, and put forward reasonable views and understanding on how to cultivate the correct consumption concept of college students in China in the future.