大学生网贷需求及其影响因素分析——基于湖北省6所高校的微观调查数据

发布时间：2018-02-12 09:18

  本文关键词： 网贷 网贷认知 网贷需求　出处：《金融理论与实践》2017年03期 　论文类型：期刊论文

【摘要】：以湖北省武汉市618个大学生的调查数据为例,采用Logistic模型,对大学生网贷需求的差异及影响因素进行实证分析。研究表明:月支出额度不同的大学生对网贷认知以及网贷需求意愿都存在着明显的差异,进而揭示出信用认知在网贷需求中的重要性;性别对于大学生网贷需求的影响具有不稳定性;年级、学校性质、月收入、家庭性质(城市或乡镇家庭)、家庭对网贷的态度、网贷认知、网贷认知意愿等对网贷需求的影响为正。最后,提出针对性的对策建议,以促进大学生网贷行业的健康发展。
[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.
【作者单位】： 湖北经济学院金融学院;
【基金】：湖北省重大哲学社会科学研究课题“高校‘校园贷’问题研究”的资助
【分类号】：G645.5;F724.6;F832.4
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本文编号：1505295