大学生网络分期付款与风险防范研究

发布时间：2018-04-01 22:19

本文选题：大学生消费　切入点：网络分期付款　出处：《山东师范大学》2017年硕士论文

【摘要】：由于国内小型银行与相关产品的缺位,以及政策限制银行向大学生发放信用卡,大学生群体分期消费的互联网金融业务能在我国兴起。2013年中国第一家大学生分期购物平台正式上线运营,成功解决了大学生有消费欲望但没有消费能力的问题。之后短短两年多时间,全国涉及大学生分期购物平台共有30多家。近年来分期付款购物平台的出现,迎合了大学生购买需求大但自身经济基础薄弱的现状,但是由于大学生的资金来源不稳定,导致大学生分期购中还存在较大的风险。本文研究从大学生分期付款购物平台方面的基本情况入手,掌握了平台的运营模式,并与之前的大学生信用卡使用做对比,运用SWOT分析,分析大学生购物平台存在的问题。为了解大学生分期付款的现状,本文采用了调查问卷法,掌握了大学生网络分期付款的一手资料,同时也发现大学生网络分期付款消费上表现的不理性,做事仅凭第一感觉,带有很强的个人情感等问题,从中概括出来了政策风险、技术风险、经营风险、财务风险等四大风险。并对这四大类风险进行了风险等级的评估,分类出高风险事件2个、较高风险事件2个、中风险事件2个、低风险事件3个。本文运用eviews7软件并结合调查问卷的数据及其他了解到的情况,深入剖析大学生网络分期付款风险产生的原因,从大学生角度来看,分别为性别因素、生活费、生源地因素、消费观念因素及心理因素;从平台角度来看,风险主要是由于平台评估系统不健全;从监管层面来看,主要是缺少规章制度约束及信用卡风险的转移。文章最后从发现的风险入手,逐项提出应对措施,试图从政策、技术、经营、管理四个方面提出建议,进一步防范风险。
[Abstract]:The absence of small domestic banks and related products, as well as policies that restrict banks from issuing credit cards to college students,The Internet financial business of college students' group consumption by stages can rise in our country. In 2013, the first college students' shopping platform was officially launched online, which successfully solved the problem of college students' consumption desire but no consumption ability.After a short period of more than two years, there are more than 30 shopping platforms involving college students.In recent years, the appearance of installment shopping platform caters to the present situation of college students' purchase demand but their own economic base is weak, but because of the unstable source of funds of college students, there are still great risks in the college students' purchase by installment.This paper starts with the basic situation of college students' installment shopping platform, grasps the operation mode of the platform, and makes a comparison with the previous use of college students' credit card, and analyzes the problems existing in the college students' shopping platform by using SWOT analysis.In order to understand the current situation of college students' installment payment, this paper adopts the questionnaire method, grasps the primary data of college students' network installment payment, at the same time, it also finds that college students' online installment payment consumption is irrational and only depends on the first feeling.With strong personal emotion and other problems, this paper summarizes four risks, such as policy risk, technical risk, management risk and financial risk.By using eviews7 software, combining with the data of questionnaire and other conditions, this paper deeply analyzes the causes of the risk of network installment payment for college students. From the point of view of college students, they are gender factors, living expenses and student origin factors, respectively.Consumption concept factors and psychological factors; from the perspective of platform, the risk is mainly due to the platform evaluation system is not sound; from the regulatory level, mainly lack of regulatory constraints and credit card risk transfer.In the end, the paper puts forward some countermeasures from the risk of discovery, and tries to put forward suggestions from four aspects of policy, technology, management and management to prevent the risk further.
【学位授予单位】：山东师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2

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