Research On The Current Situation And Influencing Factors Of College Students'credit Consumption Risk

With the rapid development of Internet technology and the implementation of the "Internet +" strategy,many Internet financial institutions emerge one after another.China's financial industry presents a hundred flowers in the process of Internet,and the credit consumption of university students is an important branch of the Internet financial field,its consumption ability and consumption.Potential should not be underestimated.As the most potential group of College students,they are good target customers of credit consumption.However,due to the lack of correct guidance and risk awareness,in recent years,the credit consumption risk of college students has erupted frequently,and the vicious events represented by "bare loans" have gathered the eyes of all sectors of society.It is particularly important to evaluate the current situation of credit consumption default risk of College students.However,it is far from enough to evaluate the credit risk of College students.We must study the influencing factors at the same time,and give the corresponding solutions and suggestions according to the research results,so as to alleviate and prevent the default risk of College Students' credit consumption.At the same time,this paper evaluates the current situation and influencing factors of credit consumption default risk of college students in Wuhan by combining theoretical model with questionnaire research.Firstly,by consulting relevant literature and research results,we can understand the development process and current situation of credit risk assessment model theory.Then,according to some characteristics of college students' consumption,such as irrationality and unplanned,under the premise of ensuring the explanability of the model,a credit consumption default risk assessment model for college students based on Monte Carlo simulation algorithm is constructed.On this basis,we continue to search for research and news reports on credit risk of College students,list potential factors,and design the questionnaire of "default risk of College Students' credit consumption" to obtain relevant data and information according to the data and potential variables required by the evaluation model.The main content of the questionnaire includes three aspects: college students' financial situation,credit consumption situation and various attitudes towards credit consumption.A total of 379 valid questionnaires were collected.Then,according to the questionnaire data,this paper evaluates the current situation of credit consumption default risk of college students from the two dimensions of moral hazard and repayment ability risk.The results show that about one third of college students are in different degrees of credit consumption default risk.Based on this risk situation,this paper continues to establish Logit regression model and stochastic forest model to explore the risk factors.The research shows that college students' financial health and credit risk prevention awareness have the greatest impact on default risk,and the degree of participation in credit consumption and the degree of positive treatment of credit consumption have the greatest impact on default wind.The impact of risk is slightly smaller,but also significant.In view of the current situation of credit consumption default risk of college students and the research results of influencing factors,this paper further puts forward relevant suggestions on the prevention of credit consumption default risk of College students.It is mainly hoped that schools and families can help students establish a good consumption concept,enhance their financial management ability,and popularize credit risk knowledge and practical cases,so as to promote students' self-thinking and enhance their risk identification ability.