Research On Effects Of Internet Consumer Crediton Consumption Behaviors Of College Students

With the continuous deepening of the reform of the economy and the innovation of financial technology,Internet technology and consumer credit business are combined,and Internet consumer credit products have emerged.The state has issued a series of related policies to support and promote the development of Internet consumer credit,as well as the continuous increase of residents' income and the change of consumption concept in recent years,which has promoted the Internet consumer credit business to flourish under the favorable conditions of policies and markets,and become the Internet.An important part of finance.As a group with strong ability to accept new things,college students have strong consumer desires and consumer demand.The emergence of Internet consumer credit products has made college students no longer refused the high threshold of traditional banks,and can satisfy the non-fixed income.The consumption needs of college students.However,while Internet consumer credit greatly eases the "liquidity constraints" of college students,it also has a certain impact on the consumption behavior of college students.The paper selects the specific platform of "ant check later" as an example.Taking the college students of four colleges and universities in Haikou as the sample,the questionnaires and field interviews are used to provide basic knowledge and use status of"ant check later" for college students.,use reasons,statistical analysis of consumption behaviors before and after use,the results of the questionnaire survey and AISAS consumer behavior model are combined to analyze the basic factors that may affect the consumption behavior of college students,using the factor analysis method to obtain three main components Factor,finally through the logistic regression model,the impact of "ant check later " on college students' consumption behavior from the two aspects of consumption concept and consumption structure,the impact on college students'consumption concept is positively correlated with convenience factor and service factor.Relationships,in which the service factor weights are greater,the impact on the consumption structure is positively correlated with the convenience factor,and negatively related to the risk factor.Finally,it summarizes the specific impact of Internet consumer credit on college students' consumption behaviors.It proposes relevant suggestions from the three aspects of the state,Internet consumer credit platform and college students themselves.The purpose is to make Internet consumer credit more suitable for college students in this emerging market and to help college students rational consumption.Establish a correct view of consumption.of the state,Internet consumer credit platform and college students themselves.The purpose is to make Internet consumer credit more suitable for college students in this emerging market and to help college students rational consumption.Establish a correct view of consumption.