College Students' Campus Loan Demand Survey

The platform for college students' campus network loans(hereinafter referred to as “campus loan”)is a financial service website that specifically targets the consumption needs and financing needs of college students.According to the survey,more than 80% of college students in the country have funding gaps,and the emergence of the campus loan platform has quickly become an important way for college students to ease funding shortages and satisfy their shopping desires.This paper focuses on the college students' loan demand.Firstly,the questionnaire is designed based on the explicit preference theory.Then,the stratified sampling is used to conduct a questionnaire survey on college students in Guizhou through online and offline.After the investigation,the collected data were collected and divided into the personal characteristics,family characteristics and consumption characteristics of the university students.The binary logistic regression model was used to conduct empirical research and data analysis on the influencing factors of college students' campus loan demand.The conclusions of the influencing factors of college students' campus loan demand and the factors affecting college students' demand for campus loan products are obtained.In terms of the influencing factors of college students' loan demand,the conclusions show that:(1)the grade level of college students,the unity of source of living expenses and the monthly average income of the family have a significant positive relationship with the demand for campus loans;(2)the location of the university students,whether they are willing and Parental communication,consumer behavior,and consumer goals also have a significant impact on campus lending needs.The research on the influencing factors of college students' loan product demand shows that:(1)at present,most college students have used campus loans,and themonthly consumption will increase accordingly;(2)the current campus loan products are not satisfied.required students' consumption scenario,especially in the areas of education and training in entrepreneurship,tourism,travel and so on;and the larger the pay range starting point,more able to meet the needs of students campus-prime products;(3)students for campus-prime products,the most concern is the safety,product platforms such as the repayment period;and excessive fees and other factors will hinder the students to use campus-prime products;(4)the majority of students on campus publicity obtain credit information through online advertising and friends,and some students credit awareness is weak,may avoid credit risk students through a rich repayment channels.Finally,from the empirical results and analysis of the questionnaire results,to promote the healthy development of the campus mortgage market made the following recommendations:(1)strengthen education students: to strengthen financial literacy education of college students,focusing on the formation and education of consumer attitudes and college students;(2)campus mortgage market innovations: including cooperative mode,audit and credit,innovation and promotion model school loans and other products;(3)increased supervision: the establishment of a sound credit system students,improve laws and regulations,strict supervision.This paper can provide a reference for banks and other financial institutions to effectively identify college students' campus loan demand and open up the campus loan market,and provide advice for the healthy development of college campus loan market.