摘要
以改进后的计划行为理论为基础,利用武汉市6所高校大学生P2P网贷使用意愿情况问卷调查所获得的数据,采用结构方程模型对大学生P2P网贷使用意愿的影响因素进行分析。结果表明,大学生每个月的资金短缺程度、P2P网贷风险的大小以及大学生对P2P网贷的了解程度是影响大学生P2P网贷使用意愿的三个主要因素。建议大学生理性使用P2P网贷产品,高校对大学生普及P2P网贷知识,P2P网贷平台加强自身的运营管理,监管部门制定完善的法律制度,以促进P2P网贷行业的健康发展,进而为大学生理性使用P2P网贷营造良好的环境。
Based on the modified theory of planned behavior, according to the data obtained from questionnaire survey on collegians＇ willingness to use P2P network borrowing at six universities in Wuhan city, the paper conducts an analysis on the factors affecting collegians＇ willingness to use P2P network borrowing by using structural equation models. The results show that monthly shortage of money, the risk of P2P network borrowing and the understanding of P2P network borrowing are the three main factors that affect the willingness of collegians to use P2P network borrowing. Suggestions are made as follows： collegians should be rational when they use the P2P network borrowing products; colleges and universities should make the knowledge of P2P network borrowing known for the collegians; P2P network borrowings platform should strengthen the operation management of their own; regulatory authorities should establish a sound legal system for it. All these efforts are to promote the healthy development of P2P network borrowing industry and create a good environment for the collegians＇ rational use P2P network borrowing.
作者
林江鹏
罗君杰
华良晨
张远为
LIN Jiangpeng LUO Junjie HUA Liangchen ZHANG Yuanwei(q-tubei University of Economics , Hubei Finance Institute, Wuhan , Hubei 430205, Chin)
出处
《征信》
2017年第10期8-13,22,共7页
Credit Reference
基金
湖北省哲学社会科学研究重大项目(17ZD025)
湖北省教育科学规划重点课题(2016GA026)
关键词
大学生
P2P网贷使用意愿
计划行为理论
结构方程
collegian
willingness to use P2P network borrowing
theory of planned behavior
structural equation
