摘要
为了深入了解消费金融市场发展及大学生参与电商消费信贷的现状,本研究通过问卷调查及实证分析,对大学生在电商平台消费信贷业务办理、消费信贷服务体验以及消费信贷金额的诸多影响因素进行分析。通过统计分析和计量结果可以发现:大学生对电商消费信贷的参与行为在户籍、性别、年级上有显著差异,并与自身消费水平、购物方式、生活及消费习惯有关。因此对于电商平台而言,应该把握好此类消费群体,并根据市场需求不断优化和完善消费信贷业务,以利于消费金融的创新与发展。
In order to know more about the development of financial market and the status of college students＇ participation in e-com-merce consumption credit, this study analyzes some factors of college students＇ business dealing, consumption credit service ex-perience, and consumption credit amount based on e-commerce platform. It is found that college students＇ consumption credit behavior based on e-commerce vary in census register, gender and grade, and their behavior is relevant to their consumption level, the way they shop, life style and consumption habit. Therefore, to e-commerce platform, it is important to meet this con-sumption group, and gradually optimize and perfect consumption credit service based on market demand, so as to promote the innovation and development of consumer finance.
出处
《常州信息职业技术学院学报》
2016年第2期70-73,77,共5页
Journal of Changzhou College of Information Technology
关键词
大学生
消费信贷
互联网
college students
consumption credit
internet
作者简介
顾天竹（1992-），男，硕士，主要研究方向：农业经济管理
