Research On Network Installment Payment And Risk Prevention Of College Students

Due to small Banks and the absence of related products in China,as well as the policy limit Banks grant credit card to college students,college students' group in installment consumer Internet financial business to the rise in our country.In 2013 the first installment shopping platform for college students in China officially launched operations,successfully solved the college students' consumption desire but no consumption ability.After just two years time,the national involving a total of more than 30 students in installment shopping platform installment shopping platform in recent years,catering to the college students' buying demand but its the present situation of the weak economic foundation,but because of the funding sources of college students is not stable,lead to college students in installment purchase still exist in the larger risk.Installment shopping platform in this paper,we study from the university students,the basic situation of mastering the operation mode of the platform,and compared with college student credit card use to do before,using the SWOT analysis,analysis of the problems existing in the college students' shopping platform.To understand the current situation of college students installment,this article used the questionnaire method,have mastered the skill of college students installment data,also found that college students' consumption on instalment is not rational,work with only the first feeling,with strong personal emotion,to sum up the policy risk,technology risk,management risk,financial risk and so on four big risk.Assessed the level of risk,get the classification of high risk event two,higher risk events,risk events in the two and three low risk events,Eviews7 software,this paper combined with the survey data and other learned that the situation,analyses the causes of college students' network installment payment risk,from the Angle of college students,gender factors,cost of living and students respectively,consumption idea factors and psychological factors;From the point of view of the platform,the risk is primarily platform evaluation system is not sound;From a regulatory perspective,mainly is the lack of rules and regulationsconstraint and the transfer of credit risk.Finally from the risk of discovery,item by item,put forward the countermeasures,from policy,technology,management,management four aspects put forward the proposal,further to prevent risks.