大学生互联网消费金融信用风险影响因素研究

发布时间：2018-03-24 06:18

本文选题：互联网消费金融　切入点：信用风险　出处：《西安外国语大学》2017年硕士论文

【摘要】：在互联网技术飞速发展背景下,传统消费金融利用“互联网+”实现了创新与变革,互联网消费金融应运而生,并快速覆盖大学生市场。伴随互联网消费金融在大学生市场的快速发展,大学生易冲动消费、理财能力弱等特点更加凸显,鉴于高校金融教育缺失,以及互联网消费金融机构与大学生间信息不对称等原因,大学生互联网消费金融信用风险不断放大,甚至引发骗局和惨剧,成为社会关注的焦点问题,既影响大学生和谐稳定的校园生活,也使大学生互联网消费金融发展饱受质疑。为了研究大学生互联网消费金融信用风险的影响因素,以此探寻降低大学生信用风险的途径,论文以西安市大学生为对象进行了问卷调查,并对调查结果进行统计性描述分析,发现大学生对互联网消费金融需求十分旺盛,但是大学生逾期还款情况不容小觑,互联网消费金融机构承担着较大的信用风险。在此基础上,为了进一步量化分析大学生互联网消费金融信用风险的影响因素,论文利用Logistic模型对大学生互联网消费金融信用风险进行评价,实证检验结果发现,大学生互联网消费金融信用风险显著影响因素包括:对互联网消费金融了解程度、使用频率、月消费金额、年龄、教育程度、学习成绩及排名以及逾期还书情况,这些影响因素不仅包含大学生个人的经济情况,还包含着大学生个人伦理道德情况。根据实证结果,针对大学生存在的互联网消费金融信用风险问题,本文提出了应建立大学生互联网消费金融大数据征信系统和信用风险监测体系,在提升大学生个人预防信用风险能力的同时,重视大学生金融知识储备和信用教育的建议。
[Abstract]:Under the background of the rapid development of Internet technology, traditional consumer finance has realized innovation and reform by using "Internet", and Internet consumer finance has emerged as the times require. With the rapid development of Internet consumer finance in college students' market, the characteristics of college students' impulsive consumption and weak financial ability are more prominent, in view of the lack of financial education in colleges and universities. As well as the information asymmetry between Internet consumption financial institutions and college students, the credit risk of Internet consumption finance for college students is constantly magnified, and even causes fraud and tragedy, which has become the focus of social concern. It not only affects college students' harmonious and stable campus life, but also makes the development of college students' Internet consumption finance be questioned. In order to study the influencing factors of university students' Internet consumption financial credit risk, we can explore the ways to reduce the university students' credit risk. The paper takes Xi'an university students as the object of questionnaire, and carries on the statistical description analysis to the survey result, found that the university student to the Internet consumptive finance demand is very exuberant, but the university student overdue repayment situation cannot be underestimated. Internet consumer financial institutions bear a large credit risk. On this basis, in order to further quantify the impact factors of university students' Internet consumer financial credit risk, This paper uses Logistic model to evaluate the credit risk of Internet consumption finance for college students. The empirical results show that the significant influencing factors of the credit risk of internet consumption finance include: the degree of understanding of Internet consumption finance, the frequency of use. Monthly consumption amount, age, education level, academic achievement and ranking, and overdue return of books, these factors include not only the individual economic situation of college students, but also the individual ethical and moral situation of college students. In view of the problem of Internet consumption finance credit risk of college students, this paper puts forward that the credit investigation system and credit risk monitoring system should be set up for college students' Internet consumption finance big data, in order to improve the ability of individual students to prevent credit risk at the same time. Attach importance to the financial knowledge reserve and credit education of college students.
【学位授予单位】：西安外国语大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F126.1;F832.2

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