基于金融素养理论的大学生消费信贷风险研究  

Research on Risky Credit Behavior of College Students Based on the Theory of Financial Literacy

作　　者：刘浏 丁孝智[2] 郭学军 LIU Liu;DING Xiao-zhi;GUO Xue-jun(School of Electronics and Electrical Engineering,Zhaoqing University,Zhaoqing 526061,China;Department of Development Planning,Zhaoqing University,Zhaoqing 526061,China;School of Business Administration,Lanzhou University of Finance and Economics,Lanzhou 730101,China)

机构地区：[1]肇庆学院电子与电气工程学院,广东肇庆526061 [2]肇庆学院发展规划处,广东肇庆526061 [3]兰州财经大学工商管理学院,甘肃兰州730101

出　　处：《佛山科学技术学院学报（社会科学版）》2020年第6期54-63,共10页Journal of Foshan University(Social Science Edition)

基　　金：国家自然科学基金项目(71863023);肇庆学院科研基金项目(201821);肇庆学院质量工程及教学改革项目(zlgc201848)。

摘　　要：大学生的消费信贷问题已引起学界的持续关注,但鲜有文献讨论消费信贷风险的形成机理。本文基于金融素养理论,通过对珠三角高校的问卷调查与实证分析,从个体行为的微观视角,考察大学生的金融素养与消费信贷风险间的互动关系及其边界条件。研究表明:金融素养是诱发信贷违约与违法行为的重要前因,大学生的消费信贷风险随着金融素养的降低而不断提高;社会中泛滥的物质主义价值观会加剧金融素养低下大学生的消费信贷风险;大学生的自我控制能力越强,越能够抑制较低的金融素养所引起的信贷违约与违法行为。The consumer credit behaviors of college students have attracted the attention of academic research,but few studies analyze the formation mechanism of risky credit behaviors.Based on the theory of financial literacy,this study employs an empirical analysis to investigate the interaction between college students’financial literacy and risky credit behaviors in the Pearl River Delta region of China.The results show that the financial literacy of college students has a negative impact on their risky credit behaviors.Materialism negatively moderates the relationship between financial literacy and risky credit behaviors.We also find that college students’self-control can restraint the negative impact of financial literacy on risky credit behaviors.

关 键 词：金融素养 消费信贷 物质主义 自我控制 大学生 

分 类 号：F832.2[经济管理—金融学]