A Study On The Motivation Of Campus Network Loanfor College Students And Its Related Researches

In recent years,with the development of the campus network loan,news reports about college students' using campus network loan appears frequently.And the popularity of the campus network loan has continued unabated,resulting civil disputes and even criminal crimes are constant,which has aroused great concern from the public.From the perspective of psychology and combining with the relevant theory of motivation,this study complies the measurement instrument of the motivation of college campus network load for college students,and explores the present situation,characteristics and related factors based on this realistic issue.To a certain extant,it can not only enrich the relevant theories of the network loan motivation,but also guide the healthy and orderly development of the campus network loan.Therefore,the study has moderately important theoretical and practical significance.First of all,by combing the related literature at home and abroad,and combining with interviews and open questionnaires,the study constructs the theoretical assumption and composition latitude of the motivation of the campus network loan for the college students,which is the basis of compiling the initial questionnaire.On the basis of preliminary test,the formal questionnaire of the motivation of the campus network loan for the college students is compiled through item analysis and exploring factor analysis,and the credibility and validity of the questionnaire were verified.Furthermore,using the formal questionnaire to investigate the current situation of the motivation of the campus network loan for the college students,and discusses the influence of interpersonal trust degree.And then,explores the relationship between the network loan motivation and risk preference of the motivation of the campus network loan for the college students.Finally,the case study method is adopted to further discuss the influencing factors.The study arrive at the following reviews:(1)The motivation of the campus network loan for the college students contains five dimensions : hedonic motivation,communication motivation,love motivation,survival motivation and development motivation.(2)The questionnaire of the motivation of the campus network loan for the college students has a high degree of credibility and validity and meets the criteria of psychometrics.(3)There are no remarkable differences in the gender and household registration type of college students' campus network loan motivation,and there exists significant differences in whether it is the only child,school types,grades and living expenses.(4)The interpersonal trust degree of college students is positively correlated with the motivation of the campus network loan and its five factors,and has a remarkable positive effect on the motivation of the campus network loan for the college students.(5)The task characteristics of individuals have significant impacts on the risk preference,while the motivation of the campus network loan for the college students have no significant influence.And the interaction effect did not reaching significant level.