The Influence Of Internet Consumer Credit On College Students'consumption Level And Structure

With the continuous expansion of the scale of the consumer financial market and the deepening of the"Internet +" strategy,the Internet consumer credit business came into being.Internet consumer financial institutions have introduced emerging technologies such as big data and artificial intelligence into the risk control process,and have explored the "long tail customer"market that traditional financial institutions have neglected,which has promoted the emergence of the consumer finance industry.As a young group with strong ability to accept new things,college students have a pain point of consumption that does not match income and consumption desires.The e-commerce consumer credit platform provides consumer credit services to college students through small,decentralized and large-scale principles,which greatly alleviates their"liquidity constraints".On the other hand,college students have the characteristics of impulsive consumption,and vigorous promotion of Internet consumer credit may prompt some students to irrational consumption.In order to deeply study the impact of Internet consumer credit on college students'consumption,this paper will first introduce the operation mode and development process of Internet consumer credit based on the existing literature research.Then,theoretically analyzes the influence mechanism of Internet consumer credit on college students'consumption level and structure,and the moderating effect of three related factors on this effect.Finally,this paper obtains 1058 national college students'consumption expenditure data by issuing questionnaires to empirically test the above theoretical analysis,and then draws the positive and negative impact of Internet consumer credit on college students'consumption.Through the research of this paper,the key conclusions are as follows:On the whole,college students using Internet consumer credit can significantly improve their consumption level and optimize their consumption structure.Therefore,Internet consumer credit can play a positive role in alleviating the mobility constraints of college students and promoting the transformation of consumption patterns and the upgrading of consumption structure.From the perspective of classified consumption expenditure,compared with developmental consumption,Internet consumer credit can promote the growth of college students' enjoyment consumption.In terms of grouping,the three relevant factors of economic region,student loans and education have obvious adjustment effects.However,the use of Internet consumer credit by college students may also cause irrational consumption of college students and a bad credit record.At the same time,because of the"common debt",the platform may face negative impacts such as"island risk".Therefore,this paper suggests:actively build a unified credit information platform,and adopt a directional quota allocation policy and a differentiated pricing scheme to cultivate college students'credit awareness and guide students to rational and healthy consumption.