互联网消费信贷对大学生消费影响研究

发布时间：2018-03-19 22:25

本文选题：大学生　切入点：互联网消费信贷　出处：《北京外国语大学》2017年硕士论文　论文类型：学位论文

【摘要】：在互联网技术高速发展的背景下,互联网消费信贷业务应运而生,并以很快的发展速度席卷了中国大陆,成为互联网金融的重要构成部分。据腾讯研究院(2016)发布的《新形势下互联网金融问题的研究》指出:2013年中国互联网消费信贷市场规模达到60亿元,2014年交易规模突破150亿元,增速超过160%;预计2017年整体市场将突破千亿元,未来3年增长率或达94%。互联网消费信贷中的分期消费、无抵押小额借贷等方式已经被我国大部分居民所接受。大学生作为接受新生事物能力很强的一部分人,有较强的消费欲望以及消费能力。并且由于电商平台以及互联网分期平台均对大学生开放互联网消费信贷业务,这与传统银行业信贷业务限制大学生借贷的传统不同,大大地缓解了大学生的"流动性约束"。因此,互联网消费信贷的产生对大学生的消费必定会产生一定的影响。本文以现代消费理论为出发点,以我国大学生消费支出为研究对象,采用定性描述与定量分析相结合的方法,全面考察互联网消费信贷与大学生消费之间的关系,并进而研究大学生消费中互联网消费信贷的主要去向。全文共分五章:第一章是绪论;第二章是文献综述。主要研究国内外消费信贷以及互联网消费信贷的研究状况。第三章是本文的理论基础,主要研究现代消费理论、大学生消费、互联网消费信贷与大学生消费的现状。第四章是本分的分析重点,构建采用互联网消费信贷的大学生消费模型,然后将大学生消费细分为:电子产品消费、日常饮食消费、恋爱消费等七个方面,分别研究其影响因素。用以研究互联网消费信贷会我国对大学生消费的哪些方面产生影响。第五章是结论以及政策建议。通过本文研究,得出如下结论:从整体来看,大学生采用互联网消费信贷的行为提高了大学生的消费水平。采用互联网消费信贷的大学生消费水平明显高于没有采用互联消费信贷的大学生。从采用互联网消费信贷的大学生样本分析发现:大学生的互联网消费信贷主要花费在了数码电子产品、交通及其他日常消费、学习消费、衣着化妆方面、恋爱消费方面。饮食消费以及娱乐消费受到互联网消费信贷的影响较小。通过本文研究,作者在国家、互联网消费信贷平台以及大学生三个层面给出了政策建议,希望能够保证互联网消费信贷市场的健康稳健发展。
[Abstract]:Under the background of the rapid development of Internet technology, Internet consumer credit business emerged as the times require, and swept the mainland of China with a rapid development rate. It has become an important component of Internet finance. According to Research on Internet Finance in the New situation, published by Tencent Research Institute, the scale of China's Internet consumer credit market reached 6 billion yuan in 2013, and the scale of transactions exceeded 15 billion yuan in 2014. The growth rate is over 160%; in 2017, the overall market is expected to exceed 100 billion yuan. The growth rate in the next three years may reach 94%. Installment consumption in Internet consumer credit, Unsecured microfinance and other means have been accepted by most of the residents of our country. College students are regarded as a part of people with strong ability to accept new things. Because e-commerce platform and Internet staging platform both open Internet consumer credit business to college students, this is different from the tradition that traditional banking credit business restricts college students' borrowing. Therefore, the emergence of Internet consumer credit will certainly have a certain impact on college students' consumption. This paper takes the modern consumption theory as the starting point. Taking the consumption expenditure of college students in China as the research object, the relationship between Internet consumption credit and college students' consumption is comprehensively investigated by using the method of combining qualitative description with quantitative analysis. And then study the main direction of Internet consumer credit in the consumption of college students. The full text is divided into five chapters: the first chapter is the introduction; The second chapter is the literature review. It mainly studies the domestic and foreign consumer credit and the Internet consumer credit research situation. The third chapter is the theoretical basis of this paper, mainly studying the modern consumption theory, college students consumption, Chapter 4th is the focus of the analysis of the Internet consumption credit and college students' consumption. This chapter constructs the consumption model of college students using Internet consumption credit, and then divides the consumption of college students into electronic products consumption, daily food consumption, and so on. It is used to study which aspects of internet consumer credit will have an impact on college students' consumption. Chapter 5th is the conclusion and policy recommendations. Come to the following conclusion: from the overall point of view, The behavior of using Internet consumer credit has improved the consumption level of college students. The consumption level of college students using Internet consumer credit is obviously higher than that of those who do not use Internet consumer credit. An analysis of college students' sample of fee-credit shows that the Internet consumer credit of college students is mainly spent on digital electronic products. Transportation and other daily consumption, study consumption, clothing and makeup, love consumption. Food consumption and entertainment consumption are less affected by Internet consumption credit. Internet consumer credit platform and college students give policy recommendations, hoping to ensure the healthy and steady development of Internet consumer credit market.
【学位授予单位】：北京外国语大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4;F713.55

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