Research On College Students' Credit Attitude,Behavior And Risk Avoidance

With the arrival of the new period of economic transformation,the consumption demand and credit demand of Chinese residents are constantly increasing,and the scale of credit market is accelerating.With more open consumption concept and advanced consumption consciousness,college students have attracted extensive attention from many credit institutions.However,in the continuous development of the credit market for college students,problems such as "naked loan","trap loan" and "violent debt demand" occur frequently.Therefore,how to meet the reasonable credit demand of college students while effectively avoiding the credit risk of college students will be the key problem in the study of college students' credit.This dissertation is mainly on the existing related literature at home and abroad research based on the analysis of the carding,attitude to credit.credit,rational credit behavior,defining the core concepts,such as credit risk,and based on the development course and current situation of the development of Chinese college students' credit is analyzed,at the same time,combining the theory of asymmetric information,consumers inter-temporal consumption theory,planned behavior theory and the technology acceptance model,based on the Beijing seven yue social service center academic committee approved the "heart of yong ping/flat loans project" and college campus credit problems research questionnaires of 2756 original questionnaire data,A binary Logistic regression model was established to take into account the influence factors of credit attitude on college students' credit behavior,credit default behavior and credit behavior rationality,so as to make an empirical analysis.According to the research results,the more positive the credit attitude of college students is,the more advanced the consumption concept is,the higher the expectation of future income is,the more living expenses they have every month,the higher the understanding degree of credit products is,and the higher the probability of credit behavior is.Secondly,the credit environment(the influence of the loans of the students around and the attraction of the credit advertisements around)will also have a positive guiding effect on the credit behavior of college students.And unlike credit behavior influence factor,the influence factors of college students' credit default behavior of the empirical results show that,in addition to the financing preference,credit around advertising,source of expected income and the cost of living for its significant correlation,loan amount and repayment period is significantly negative correlation with credit default behavior,loan amount is the higher,the longer the repayment period,the higher college students credit default probability.In addition,the rationality degree of college students' credit behavior is mainly affected by the credit environment and income expectation.The greater the influence of the borrowing of the students around,the stronger the attraction of the surrounding credit advertisements,and the more irrational the credit behavior of the college students.In other words,the loan amount of the college students is more likely to exceed their repayment ability.The higher the expectation of future income,the more rational the students' credit behavior.It can be found from the research results concerning the common influencing factors of college students' credit behavior and credit default behavior that,except for the influence factor of surrounding credit advertising attraction,the higher the incidence of credit behavior of college students,the lower the possibility of credit default.On the one hand,it shows that the credit demand of most students with credit behaviors is reasonable;on the other hand,it shows that the avoidance of college students' credit risks should not start from the inhibition of college students'credit behaviors,but should start from the direction of encouragement and guidance.It is worth noting that the credit attitude of college students is positively correlated with the credit default behavior.It can be seen that the more positive the attitude towards the credit behavior is,the lower the probability of the credit default behavior is.The positive correlation between the surrounding credit advertisement and the credit default behavior and the negative correlation between the surrounding credit advertisement and the rational credit behavior indicates that the surrounding advertisement design of college students is not reasonable,and may have a bad guiding effect on the credit default behavior and the rational credit behavior of college students.Based on the theoretical analysis and empirical results of college students' credit behavior,default behavior and rationality of credit behavior,this paper puts forward corresponding countermeasures and Suggestions to college students,credit platforms and regulatory agencies from the perspective of strengthening the research on college students' credit mechanism and scientific assessment of college students' credit behavior risk.Not only to further enrich the existing relevant theory achievement,as well as more fully understand the college students,on the basis of the demand for credit and credit risk,to guide credit platform design more in line with the real demand of college students credit products,to effectively control the credit risk of college students,and promote the sustainable and healthy development of the college students'credit markets.