Research On The Influencing Factors Of College Students' Choice Of Campus Credit Consumption

Campus credit consumption market began in 2015,has been in rapid development stage at the same time under the wave of \ "financial\" Internet +,appear a series of campus college students credit market platform include:Jingdong finance and financial services electricity giant credit and other financial institutions such as college students credit consumption market competition is heating up.So on influence factors of college students choose campus credit consumption platform can reflect the college students in the credit consumption will focus on the main factors and provide the necessary reference basis for campus credit platform.Based on this and in guizhou university of finance and economics students as the research object mainly by the domestic and foreign related literature review questionnaire survey method and the quantitative and qualitative analysis method the main factors influencing college students choose campus credit consumption willingness.At the same time through the survey data provide reference information for many credit staging platform help them understand the real demand of the college students' concern and according to its focus on factors can help the big credit platform for the future development direction enable campus credit consumption market healthy and stable development.Finally on the one hand through the investigation of students find such as grade disposable living expenses and online number variables such as the higher intend to choose increasing relationship.so do students itself analysis use a large data for targeted marketing has important practical significance.On the other hand is the platform of 18 variables indexes by factor analysis to extract into three principal component values.In view of this students choose campus credit willingness to spend the most sensitive factor is a personal information security and supporting service facilities thus completes the construction of information security and improve service quality is of great significance.Second is the platform of standard size also is the important factors influencing the choice intention,so need to strengthen the construction of platform scale and specification.Followed by the product feature is also pay attention to the smallest,thus improve on quality rather than quantity.So no matter what choice of the mode of development platform in the campus of the sham as the genuine credit markets in order to continue to specification and to evolution.