大學生網(wǎng)貸需求及其影響因素分析——基于湖北省6所高校的微觀調查數(shù)據(jù)
發(fā)布時間:2018-02-12 09:18
本文關鍵詞: 網(wǎng)貸 網(wǎng)貸認知 網(wǎng)貸需求 出處:《金融理論與實踐》2017年03期 論文類型:期刊論文
【摘要】:以湖北省武漢市618個大學生的調查數(shù)據(jù)為例,采用Logistic模型,對大學生網(wǎng)貸需求的差異及影響因素進行實證分析。研究表明:月支出額度不同的大學生對網(wǎng)貸認知以及網(wǎng)貸需求意愿都存在著明顯的差異,進而揭示出信用認知在網(wǎng)貸需求中的重要性;性別對于大學生網(wǎng)貸需求的影響具有不穩(wěn)定性;年級、學校性質、月收入、家庭性質(城市或鄉(xiāng)鎮(zhèn)家庭)、家庭對網(wǎng)貸的態(tài)度、網(wǎng)貸認知、網(wǎng)貸認知意愿等對網(wǎng)貸需求的影響為正。最后,提出針對性的對策建議,以促進大學生網(wǎng)貸行業(yè)的健康發(fā)展。
[Abstract]:Taking the investigation data of 618 college students in Wuhan, Hubei Province as an example, the Logistic model is used. This paper makes an empirical analysis on the difference of college students' net loan demand and its influencing factors. The research shows that the college students with different monthly expenditure amount have obvious differences in their cognition of net loan and their desire for net loan demand. Then it reveals the importance of credit cognition in the demand for online loans; the influence of gender on the demand for online loans for college students is unstable; grade, school nature, monthly income, family nature (urban or township families, family attitudes towards online loans). Finally, some countermeasures and suggestions are put forward to promote the healthy development of college students' online loan industry.
【作者單位】: 湖北經(jīng)濟學院金融學院;
【基金】:湖北省重大哲學社會科學研究課題“高!@貸’問題研究”的資助
【分類號】:G645.5;F724.6;F832.4
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本文編號:1505295
本文鏈接:http://www.lk138.cn/jingjilunwen/huobiyinxinglunwen/1505295.html
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