大学生网络分期消费影响因素分析

发布时间：2018-04-14 18:15

本文选题：网络分期消费 + 因子分析　；参考：《江西财经大学》2017年硕士论文

【摘要】：近年来我国互联网技术发展迅速,现有的消费方式满足不了人们的需求,于是网络消费慢慢的出现在大众的视野中,随着网络经济的日益成熟,传统的支付方式满足不了消费者的需求,因此衍生出网络分期支付的支付方式。网络分期消费支付方式的推出受到大众的喜爱,我国大学生网民的比例较高,并且他们接受高等教育,对新鲜事物的接受度也高于社会的其他群体;网络分期消费业务从2013年兴起,兴起之初就是以在校大学生为目标用户,大学生作为网络分期消费的主要群体,研究他们的消费行为也具有重要的意义。文章以大学生为研究对象,通过调查数据分析影响大学生网络分期的因素。在前人研究的基础上,从大学生消费者的角度,设计测量量表,并采用问卷的方式实施调查。文章基于因子分析模型,采用对应分析、相关性分析、方差分析等方法,研究影响大学生网络分期消费的因素,了解大学生对网络分期消费的认知情况和消费态度。研究结论表明,大学生对网络分期消费持普遍积极的态度,对其排斥的较少;不同年级层次的大学生对网络分期消费业务的认知情况不同,高年级学生相比于低年级学生对网络分期业务的了解程度更高;根据对应分析研究表明大学生网络分期消费认知度与学生分期消费态度具有显著相关关系,对网络分期认知程度高的学生,使用网络分期的频次越高;商品价格和分期的手续费是影响在校学生使用分期的主要因素;根据因子分析结果得出,网络分期业务限制因素对大学生网络分期的使用行为影响较大,其次是消费者的心理需求因素、风险因素(包括社会风险,支出风险、功能风险)、业务优势因素;这些因素都是影响大学生消费者使用网络分期消费中的主要因素;不同性别群体对心理需求和社会风险因素有显著差异,男生相对于女生心理需求较高,女生的社会风险感知略高于男生;不同月生活费状况的学生群体与社会风险因素和支出风险因素有显著的差异性,生活费越高的群体对社会风险和支出风险感知高于生活费较低的群体。根据本文的研究结论和数据分析的支撑下,从大学生消费者的角度为网络分期平台提出相应的发展意见,优化和促进网络分期业务的进一步发展;同时也根据调查的数据,为学生群体进行网络分期消费时给出合理建议。
[Abstract]:In recent years, with the rapid development of Internet technology in China, the existing consumption mode can not meet the needs of people, so the network consumption appears slowly in the public vision, with the network economy increasingly mature,The traditional payment method can not meet the needs of consumers, so it derives the payment method of network installment payment.The introduction of network phased consumption payment is popular, the proportion of college students in China is relatively high, and they receive higher education, the acceptance of new things is also higher than other groups of society;The network installment consumption business rises from 2013, at the beginning of the rise is to take the university student as the target user, the university student is the network installment consumption main group, the research their consumption behavior also has the important significance.This article takes the university student as the research object, through the investigation data analysis affects the university student network stage the factor.On the basis of previous studies, the measurement scale is designed from the perspective of college students' consumers, and the questionnaire is used to carry out the survey.Based on the factor analysis model, this paper studies the factors that influence college students' consumption by stages by using the methods of correspondence analysis, correlation analysis and variance analysis, so as to understand the cognition and consumption attitude of college students on network phased consumption.The results show that college students have a generally positive attitude towards online phased consumption and less rejection of it, and different grades of college students have different cognition of online phased consumption business.Compared with the lower grade students, the senior students have a better understanding of the network staging business. According to the correspondence analysis, it shows that there is a significant correlation between college students' online phased consumption recognition and students' phased consumption attitude.For the students with high cognitive level of network staging, the frequency of using network staging is higher; the commodity price and handling fee are the main factors that affect the students' use of staging; according to the results of factor analysis,The limited factors of network staging business have great influence on college students' use behavior of network staging, followed by consumer's psychological demand factor, risk factor (including social risk, expenditure risk, functional risk, business advantage factor);These factors are the main factors that affect the consumption of college students by stages, and there are significant differences in psychological needs and social risk factors among different gender groups, and the psychological needs of boys are higher than that of girls.The social risk perception of female students was slightly higher than that of male students, and there were significant differences between the groups of students with different monthly living expenses and social risk factors and expenditure risk factors.The higher the living cost, the higher the perception of social risk and expenditure risk is higher than that of the lower living cost group.Based on the research conclusions and data analysis of this paper, the author puts forward corresponding suggestions for the development of network staging platform from the perspective of college students' consumers, optimizes and promotes the further development of network staging business, and at the same time, according to the survey data,The reasonable suggestions are given for the students to spend on the network by stages.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F126.1;F832.479

【参考文献】