Research On The Influencing Factors Of College Students' Loan Behavior

In recent years,with the development of economy,the consumption rate ofcollege students in the social consumption is more and more high,in the future,the impact of College Students' consumption on the overall social consumption will increase gradually.At the same time,along with the development of financial economy,the consumption of college students in the development of consumer loans has entered a golden period.Loan consumption has become an important part of College Students' consumption.The current student loan consumption growing rapidly,the ability to accept consumer loans for college students is more and more strong,however,and consumer loans in the university student overall consumption development speed does not adapt,there is no accurate definition of factors affecting college students loan consumption,if the blind,in this case,many educators and parents for relevant measures the student loan for consumption will not get good results,you know only to these factors on College Students' cognition of consumer loans,consumer loans in order to put the students in the position of the consumer,consumer loans reasonable play in promoting college students' consumption and meet the need of the role.This paper summarizes the related literatures,extracted with five factors,the student loan consumption includes: main factors,marketing factors,media factors,risk factors and loan business factors,according to the five factors related to the assumptions,making the research design,data collection by distributing questionnaires.Then build a data analysis model based on structural equation model to analyze the data,get the results of regression analysis through calculation analysis results by regression to verify the assumptions made before,that is to say,with this assumption,the operation of data analysis,the influences of the student loan consumer behavior factors to verify the hypothesis of correlation analysis in the final conclusion,and in view of the significant factors to put forward suggestions on College Students' consumption loans.The article consists of five parts.The first part is the introduction,including research background and purpose,literature review,research methods and ideas;the second part is the related theoretical basis,including: student loans and consumer behavior;the third part is the research design,including model selection and construction and design elements;the fourth part is the empirical research,including: analysis of reliability and validity of research,data statistics and data;the fifth part is the conclusion and suggestion.