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文章首先分析了大学生网络分期贷款消费的需求及供给现况,之后对华科
大、武汉工程大学以及武汉职业技术学院三所武汉高校当中的在校大学生开展问
卷调查,对当前的大学生互联网分期贷款消费情况进行研究,归纳总结出影响大
学生网络分期贷款消费行为的主要原因,之后对当前大学生网络分期贷款消费所
存在一系列问题进行提出,并针对此提出促进大学生良性使用网络分期贷款的对
策建议,社会方面要注重优化大学生消费社会环境及完善相关政策,基于高校层
面,对消费教育及管理予以加强,同时积极开拓勤工俭学岗位,以求能够满足大
学生的兼职需求,对于家庭方面,父母必须合理提供子女的日常生活费,同时积
极配合高校的教育
关键词:在校大学生;网络分期贷款;消费;调查研究Abstract
III
Abstract
As a consumer group, which is especially important in today&39;s society, college
students&39; desire for consumption is extremely strong. With the development and
perfection of network finance, their consumption needs are well satisfied, and their
consumer credit desire is fully excited. Although the consumption and consumption of
the phased loan consumption in Internet finance has the function of promoting the
rapid development of college students&39; consumption market, the consumption concept
of the new generation of college students, the network financial platform and the
related supervision system exist. The inadequacies of the market are still at risk. At
present, the relevant research at home and abroad on the existence of the market has
long been concerned about, but not yet detailed research and discussion. Therefore,
the relevant research in this paper has great practical significance.
The article first analyzes the demand and supply status of university students&39;
network installment loans, and then conducts a questionnaire survey on the college
students in Wuhan University, Wuhan Institute Of Technology and Wuhan Vocational
and Technical College. The research on the current consumption of college students&39;
At the same time, summarized summed up the main reasons for college students
network installment loans consumer behavior, Then, a series of problems are put
forward for the current consumption of college students&39; phased loan, and the
countermeasures and suggestions are put forward to promote the healthy use of
network staging loans. We should focus on optimizing the consumption environment
of college students and improve the relevant policies, based on the university level, to
strengthen the consumption education and management, and actively develop
work-study opportunities in order to meet the part-time needs of college students, for
the family, parents must provide their children&39;s daily Living expenses, and actively
cooperate with the education of colleges and universities.
Keywords: College Students; Network Staging Loans; Consumption; Investigation
and Study目 录
V
目 录
摘要..........I
Abstract..III
第 1 章 绪论........... 1
1.1 研究背景与意义...1
1.1.1 研究背景......1
1.1.2 研究意义......2
1.2 国内外研究文献综述.......2
1.2.1 国内相关文献综述.2
1.2.2 国外相关文献综述.6
1.3 研究内容与方法...9
1.3.1 研究内容......9
1.3.2 研究方法......9
第 2 章 大学生网络分期贷款消费需求供给分析.........11
2.1 大学生网络分期贷款消费定义.11
2.1.1 网络分期贷款.......11
2.1.2 消费行为...12
2.2 大学生网络分期贷款需求分析.13
2.3 大学生网络分期贷款供给分析.14
第 3 章 武汉市大学生网络分期贷款消费问卷调查分析........ 17
3.1 问卷设计与发放.17
3.1.1 问卷设计...17
3.1.2 问卷前测...18
3.1.3 问卷发放与回收...18
3.2 问卷分析.19
3.2.1 不同学校问卷分析...........19
3.2.2 不同性别问卷分析...........36
第 4 章 影响大学生网络分期贷款消费行为的原因分析........ 43
4.1 学校及性别差异.43
4.2 消费水平及消费点.........43武汉工程大学硕士学位论文
VI
4.3 网贷消费认知及接受度.44
4.4 还款承载能力及方式.....45
第 5 章 大学生在网络分期贷款消费中存在的问题.....47
5.1 面临高利贷风险.47
5.2 消费观念被误导.48
5.3 面临维权申诉风险.........48
第 6 章 促进大学生良性使用网络分期贷款的对策建议........ 51
6.1 社会方面.51
6.1.1 正确引导大学生的消费文化.......51
6.1.2 进一步完善相关政策.......52
6.2 高校方面.53
6.2.1 加强大学生消费教育和管理.......53
6.2.2 为大学生多提供勤工俭学岗位...54
6.3 家庭方面.55
6.3.1 为大学生提供合理生活费用.......55
6.3.2 家庭教育与高校教育积极配合...56
第 7 章 研究结论与展望.57
7.1 研究结论.57
7.2 研究展望.57
参考文献....59
附 件.
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