Research On The Influencing Factors Of Credit Card Consumption Among College Students In Ningxia

With the rapid development of domestic economy and the continuous improvement of people's living standard and the gradual opening of consumption concept,China has entered a new era of consumption transformation and upgrading.Credit card consumption has become a part of people's daily life.As a new generation of consumers,college students are expanding and consuming vigorously,but at the same time,under the strict supervision policy,our university students' credit card consumption is developing slowly,which is unable to meet the reasonable consumption financial needs of college students.In 2017,under the background of the frequent issue of the campus loan,the regulatory authorities issued a policy to encourage commercial banks to complement the short board facing the insufficient coverage of college students' financial services.Under this background,the credit card consumption of college students will become an important market for many credit card departments in China because of its huge potential of development.It is of great practical significance to study the credit card consumption of college students.This paper studies the influencing factors of university students' credit card consumption in Ningxia area.Ningxia belongs to the economically underdeveloped areas of Northwest China.There are some regional differences between College Students' family income level and consumption concept.Through the questionnaire survey,and through statistical analysis and logistic model,this paper studies the factors affecting the credit card consumption of college students in Ningxia.It is found that economic factors are the most important factors affecting the credit card consumption of college students,and they are also influenced by environmental factors such as educational level and family environment.Therefore,we suggest that the government should encourage policies,and commercial banks should do differentiated marketing.Meanwhile,schools and college students should also strengthen education and rational consumption.