Demographgic Analysis Of Consumer Loan Borrowing Behavior

With today's Chinese and western cultures exchanging gradually in-depth,and with the constant improvement of the degree of opening to the outside world,Chinese families begin to accept the idea of borrowing and consuming.Coupled with the housing and financial markets in areas such as monetization reforming faster and faster and the overall consumption environment changing,there are increasing different kinds of credit products,whose coverage is becoming much bigger.Many ordinary families also have the opportunity to contact the credit consumption and involved.Residents of the consumer credit behavior is not only based on individual choice in different life cycle,are branded with the social and historical change.Therefore,from the Angle of historical,social,and personal trinity to investigate consumer credit behavior,to correctly understand and grasp the present situation of consumer credit in China,the great sense has stimulated my residents' consumption,and makes a further development of credit consumption market.Therefore,this paper is designed to conduct a demographic analysis on consum loan borrowing behaviors from the age perspective.From theoretical perspective,this article from the Angle of combining the macroscopic and micro scope,fully absorbs the predecessors of the existing research results,analysis of historical,social,individual consumers for consumer credit behavior and influence on the personal consumption.Analysis,consumer credit behavior not only received individual life stage,namely the influence of age;At the same time,the age also means the individual experience of social and historical background,which influences consumer credit behavior.In recent years,in terms of China's aggressive monetization reform,unprecedented,in housing,education and other areas in particular,it was such a big background that fostered the formal consumer credit market in China,which is,by investigating the daily consumption of domestic households,is easy to come to the conclusion after the credit behavior.Therefore,since the development of China's consumer credit is the policy change as the driving force,the major policy largely directly affects the changes of household economic behavior.Among them,the needs of different population groups in consumer credit,structure,pay show different behaviors.As consumer credit concept is more and more popular,the public understanding of its also more and more deep,the consumer credit market in recent years obtained the rapid development,such as various forms of modern financial organizations,such as consumer finance companies began to appear in the consumer credit market in China;They provide the types of consumer credit services to the public is also increasing,combined with China's household daily consumption habits,meet the needs of the people living products;And the main goal of the consumer credit service the customer is a delegate with young consumers.Based on the empirical analysis,this paper by using microscopic investigation data of quantity,the behavior of consumer credit in the analysis of household level.,in consumer credit products for family consumption structure has a significant impact on the education loans,education loans "compensation effect" can inspire the family by increasing income to make up for the part of the consumer spending projects;And education loan "squeeze effect" changed the family consumption expenditure proportion of the project,reduce the proportion of the low rigidity consumption demand.In this paper,the back half of the consumer credit products using the macro data fully illustrated on household consumption influencing factors include: household consumption structure,income level,individual characteristics,family,age structure,and family area,etc.In different groups of consumer credit default behavior,middle-aged people suffered heavy economic and life pressure,but their consumption credit default behavior is lower than the young and the old,in this paper,from the middle-aged people responsible for the explanation.This paper further proves that signs,before the adoption of the consumer credit market in China's formal context is education,housing,and other areas of the rigid requirements of a wide range of monetization reform,policy driving effect on household consumption credit behavior has more full performance.In the face of this situation,in the consumer credit market continues to develop at the same time,consumer credit behavior of residents in our country in the future for a period of economic policies should be national benefit the people's livelihood support,alleviate the worries of household,let potential spending the final release.Different population groups in consumer credit behavior of the status quo and characteristics of each link all show different.The existing government and business organizations should notice the difference,in order to achieve stated goal of expanding domestic demand,from multiple perspectives to fully tapped and mobilize resident consumption ability of the family.