Investigation And Research On College Students' Network Installment Loan Consumption

With the support of the national policy to support the development of "Internet +",Internet finance has gradually emerged,and the college students' phased shopping market has also been developed.There has been a financial service platform for the college students' group to carry out installment loan consumption,represented by interesting stages and staged music.Therefore,it has attracted the attention and participation of many college students.In order to better understand the use of college students in installment loans and to explore the reasons for their impact,as well as the potential willingness of future college students to use,we conducted this survey.This survey,based on the theme of the use of network installment loans by college students in Nanchang,conducted a questionnaire survey of five college students in Changbei.Using Excel chart,Amos7 and SPSS statistical analysis software,frequency analysis,one-way ANOVA,chi-square test,reliability analysis and factor analysis were carried out on the collected data to understand the different factors for college students' Internet staging loan consumption preference.The impact,gender,grade,and cost of living have significant effects,while the main ways of obtaining living expenses are less significant.Gender factors have significant differences in the consumption patterns and consumption decisions of college students.Women's enthusiasm for consumption and the probability of perceptual consumption are higher than that of men,and it is easier to prefer to use the financial consumption service of installment loan consumption,and it is more inclined to choose to use the installment loan consumption service for high-priced goods;At the same time,the monthly consumption of men and women using the installment loan financial consumer service is not exactly the same,there is a significant difference.College students of different grades belong to different consumer groups.The consumption patterns and consumption concepts of different grades of consumer groups are also very different.This is usually determined by factors such as the social environment and social roles of their grades,which further affects college students.Consumption decision-making and the tendency to use financial consumer services for network installment loans.With the emergence and promotion of network installment loan consumption patterns,the concept of early consumption is more acceptable to college students.However,college students of different grades have different degrees of acceptance of the financial consumption methods and consumption concepts of installment loans,so they use staging.The experience of online shopping for loan consumption is also correspondingly different.The amount of living expenses largely determines the consumption ability and consumption level of different consumption level groups.From the regression model of the living expenses level and the monthly repayment range of the instalment loan consumption,the living expenses for the college students are increased by 1 Yuan,the monthly maximum repayment range will increase by 2.740 yuan.The structural equation model was constructed by Amos7 to explore the influence path and influence degree of psychological factors on the tendency of college students' Internet staging loan consumption.It is found that the demand factor and merchant factor are more obvious to the students' tendency to use.The specific impact is the installment procedure.The level of fees,the convenience of repayment,the quality of goods purchased in installments,and the after-sales service of goods purchased in installments.The risk factor has a negative effect on the tendency of college students to use,and it is not significant.When college students choose the financial services of installment loans,they will not consider the factors of instalment loan consumption and shopping,which will be ridiculed by friends.Moreover,college students are free to spend their living expenses and subjective,and they do not develop financial management.Most of the habits lack the planning consciousness of financial management.The shopping method of choosing installment loan consumption is relatively less affected by college students' financial planning.By constructing a binary logistic regression model between the willingness to use the future and the obvious influencing factors,the potential college students' willingness to use the network installment loan will be explored.The analysis shows that the convenience of repayment of installment loan consumption and the quality of purchased products have a positive effect on the future willingness of potential consumers,and the effect of repayment convenience of installment loan consumption on future willingness is more obvious and prominent;however,The psychological pressure of debts brought to college students by instalment loan consumption and the impact on the later financial planning are the two major factors that hinder the student population of potential instalment loans.Through the above analysis,the relevant conclusions are drawn,and on this basis,opinions and suggestions are given to college students,staging platforms,governments,schools and parents.For college students,they should learn to rational consumption,enhance financial management awareness,enhance repayment planability,and raise awareness of rights protection.For staging platforms,an information sharing platform should be established,a strict review process should be established,and the instalment rate should be scientifically customized.Commodity quality and after-sales service checks,increase publicity and promotion,and assume social responsibility;for the government,we should improve the platform access,operation and exit mechanism,improve the supervision system,increase legislation,and severely punish illegal operations;for schools,Should be responsible for education;for parents,appropriate guidance should be given.