發(fā)布時(shí)間：2018-02-12 09:18

  本文關(guān)鍵詞： 網(wǎng)貸 網(wǎng)貸認(rèn)知 網(wǎng)貸需求　出處：《金融理論與實(shí)踐》2017年03期 　論文類型：期刊論文

【摘要】：以湖北省武漢市618個(gè)大學(xué)生的調(diào)查數(shù)據(jù)為例,采用Logistic模型,對(duì)大學(xué)生網(wǎng)貸需求的差異及影響因素進(jìn)行實(shí)證分析。研究表明:月支出額度不同的大學(xué)生對(duì)網(wǎng)貸認(rèn)知以及網(wǎng)貸需求意愿都存在著明顯的差異,進(jìn)而揭示出信用認(rèn)知在網(wǎng)貸需求中的重要性;性別對(duì)于大學(xué)生網(wǎng)貸需求的影響具有不穩(wěn)定性;年級(jí)、學(xué)校性質(zhì)、月收入、家庭性質(zhì)(城市或鄉(xiāng)鎮(zhèn)家庭)、家庭對(duì)網(wǎng)貸的態(tài)度、網(wǎng)貸認(rèn)知、網(wǎng)貸認(rèn)知意愿等對(duì)網(wǎng)貸需求的影響為正。最后,提出針對(duì)性的對(duì)策建議,以促進(jìn)大學(xué)生網(wǎng)貸行業(yè)的健康發(fā)展。
[Abstract]:Taking the investigation data of 618 college students in Wuhan, Hubei Province as an example, the Logistic model is used. This paper makes an empirical analysis on the difference of college students' net loan demand and its influencing factors. The research shows that the college students with different monthly expenditure amount have obvious differences in their cognition of net loan and their desire for net loan demand. Then it reveals the importance of credit cognition in the demand for online loans; the influence of gender on the demand for online loans for college students is unstable; grade, school nature, monthly income, family nature (urban or township families, family attitudes towards online loans). Finally, some countermeasures and suggestions are put forward to promote the healthy development of college students' online loan industry.
【作者單位】： 湖北經(jīng)濟(jì)學(xué)院金融學(xué)院;
【基金】：湖北省重大哲學(xué)社會(huì)科學(xué)研究課題“高校‘校園貸’問(wèn)題研究”的資助
【分類號(hào)】：G645.5;F724.6;F832.4
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本文編號(hào)：1505295