摘要
近年来,大学生校园网络借贷以其门槛低、方便贷的特点深受大学生喜爱,但也有很多大学生深受其害。在调查问卷获取数据基础上,采用Logistic回归分析模型,运用SPSS软件分析了性别、家庭经济情况、父母受教育情况、个人消费欲望、个人金融知识、风险管控意识、个人征信意识七个因素对大学生是否选择校园贷及其影响的显著性和影响系数。结果发现个人消费欲望和风险管控意识对大学生是否选择校园贷影响显著,个人征信意识和个人金融知识也是影响大学生选择的主要影响因素,进而提出预防大学生深陷校园不良网贷的对策和建议。
In recent years, with its low threshold and convenience, college campus loan is gaining popularity among college students, but at the same time, many college students suffer a lot form it. Based on the questionnaire data and Logistic regression analysis model, the significance and influence coefficient of gender, family economic conditions, parental education, personal consumption desire, personal financial knowledge, risk control awareness and personal credit awareness on college students＇ choice of campus loan are analysed by using SPSS software. The results show that personal consumption desire and risk control consciousness significantly influence college students＇ choice of campus loan, with personal credit consciousness and personal financial knowledge as the major factors. Finally, countermeasures and suggestions to prevent college students＇ involvement in the campus net loan are proposed.
出处
《商洛学院学报》
2017年第2期80-82,86,共4页
Journal of Shangluo University
