I 摘要 互联网金融已经极大地改变了人们的生活方式和消费观念。伴随互联网技术 诞生和互联网金融快速发展而成长的大学生，既是支付宝、微信支付等互联网金 融产品的深度使用者，也是消费升级背景下分期消费、信用贷款的主力军。然而， 大学生一边正享受互联网金融带来的生活便利，一边也正面临着互联网金融带来 的金融风险，比如：校园贷、高利贷、裸贷等。为此，深入调查并分析大学生参 与互联网金融的现状及其影响因素，有助于大学生的健康成长，也有助于互联网 金融的健康发展。 本文首先介绍了研究背景和意义，通过梳理国内外相关研究，引入了用户行 为理论作为本文的理论基础，并在信息系统持续使用理论模型原有的变量上，增 加情景理论、沉浸理论、组织承诺和感知风险四个变量，作为大学生互联网参与 行为的影响因素。其次，利用国内某高校的问卷调查数据，运用多元回归方法和 SPASS22.0软件，分别从大学生的互联网金融参与特征和影响因素两方面进行实证 检验，其中参与特征包括参与程度、参与平台和业务类型三个方面的考察；影响 因素检验则包括7类变量。最后，根据实证结果，提出大学生参与互联网金融和 互联网金融健康发展的研究启示与对策建议。 研究结果表明：互联网金融已经渗透到大学生的学习和生活等各个方面，大 学生几乎每天都会参与互联网金融的使用，不仅参与程度高，而且参与年限长， 具体表现为：乐于使用互联网金融进行消费，且愿意接受超前消费；大部分大学 生能够按时归还互联网贷款，但对互联网金融信贷业务的了解程度还有待提高， 对互联网金融理财业务的了解也不深。关于影响因素的检验结果表明：感知风险 对大学生参与互联网金融的意愿和程度都具有负向影响，而其余六类因素具有正 向影响，其中沉浸体验、满意度和情感性承诺的影响程度较大。 关键词：互联网金融，大学生，参与特征，影响因素 ABSTRACT II ABSTRACT Many people's lifestyle and consumption concepts have been changed by Internet finance. With internet born and the rapid expansion of Internet finance, college students are big users of Alipay, Wechat pay and other Internet financial products, which are frequently used by students. but also the main force of installment consumption and credit loans in the context of consumption upgrades. However, the college students are enjoying the convenience of life brought by Internet finance, they are also need to face the financial risks brought by Internet finance, such as campus loans, usury loans, and naked loans. For this purpose, the status quo of college students' participation in Internet finance is investigated and analyzed, and to find out what makes them tick. This is crucial to the fitness and orderly development of Internet finance. At the beginning of article, the background and significance of the research are introduced by means of analyzing relevant research at home and abroad. Based on user behavior theory, and the original variables of theory of continuous use of the information system , the author increase situational theory, flow theory, organizational commitment, and perceived risk of four variables, as the influence factors of college students' Internet behaviors. Secondly, by using the questionnaire data of a domestic university and using the multiple regression method and SPASS22.0 software, the paper conducts an empirical test from the two aspects of college students' Internet financial participation characteristics and influencing factors, among which the participation characteristics include the degree of participation, the platform of participation and the type of business. The influence factor test includes 7 types of variables. Finally, based on the empirical results, this paper puts forward the enlightenments of the study and countermeasures for the college students’ participation in Internet finance and the healthy development of Internet finance. The research results show that Internet finance has penetrated into all aspects of college students' study and life, and college students participate in the use of Internet finance almost every day, with a high degree of participation and a long term of participation. Specific manifestations are as follows: not only willing to use Internet finance for consumption, but also willing to accept excessive consumption; Most college students can repay Internet loans on time, but their understanding of Internet ABSTRACT III financial credit business needs to be improved, and their understanding of Internet financial management business is not deep. The test results of influencing factors show that perceived risk has a negative impact on college students' willingness and degree to participate in Internet finance, while the other six types of factors have a positive impact, among which immersion experience, satisfaction and affective commitment have a greater impact. Keywords: Internet finance, College Students, Participation characteristics, Influencing factors 目录 IV 目 录 第一章 绪论 .................................................................................................................... 1 1.1 研究背景及意义 ................................................................................................ 1 1.1.1研究背景 ................................................................................................. 1 1.1.2 研究意义 ................................................................................................ 3 1.2 研究方法 ............................................................................................................ 3 1.3 研究内容及框架 ................................................................................................ 4 1.4 主要创新点 ........................................................................................................ 5 第二章 理论基础与文献综述 ........................................................................................ 6 2.1 理论基础 ............................................................................................................ 6 2.1.1 用户行为理论 ........................................................................................ 6 2.1.2 信息系统持续使用理论模型 ................................................................ 8 2.1.3 感知风险 ................................................................................................ 9 2.1.4 情境理论 ................................................................................................ 9 2.1.5 沉浸理论 .............................................................................................. 10 2.1.6 组织承诺 .............................................................................................. 10 2.2 文献综述 ........................................................................................................... 11 2.2.1 大学生使用互联网金融的行为研究 ................................................... 11 2.2.2 大学生使用互联网金融的影响因素研究 .......................................... 13 2.3 本章小结 .......................................................................................................... 13 第三章 问卷设计与调查 .............................................................................................. 15 3.1 引言 .................................................................................................................. 15 3.2 问卷设计 .......................................................................................................... 17 3.2.1 调查对象与范围 .................................................................................. 17 3.2.2 问卷结构设计 ...................................................................................... 17 3.3 问卷发放与回收 .............................................................................................. 17 3.4 信度与效度检验 .............................................................................................. 17 3.4.1 信度检验 .............................................................................................. 17 3.4.2 效度检验 .............................................................................................. 18 3.5 调查样本的背景特征 ...................................................................................... 20 3.6 本章小结 ................