社会化过程中大学生的信贷态度与行为研究  

Research on College Students’ Credit Attitude and Behavior in the Process of Socialization

作　　者：蒋旭 金峰[1] JIANG Xu;JIN Feng(Business School,Yangzhou University,Yangzhou 225000,China)

机构地区：[1]扬州大学商学院,江苏扬州225000

出　　处：《经济研究导刊》2021年第29期117-120,共4页Economic Research Guide

基　　金：扬州大学商学院2020年研究生创新项目“基于UTAUT的大学生信贷行为影响因素分析”(SX2020023)。

摘　　要：基于理论分析构建Logit回归模型,实证检验社会化因素对大学生的信贷态度与校园信贷行为的影响,结果显示,大学生的信贷态度及行为受个体社会化影响,其中社会化因素中的影响源和生源地对大学生信贷态度影响显著,且在不同态度维度上影响具有明显差异。否定态度中,影响源多元化可以削弱对信贷行为的否定程度。从生源地看,城镇生源的大学生比农村大学生的信贷态度更偏向积极。此外,信贷态度、家庭所处社会阶层、社会化影响源、生源地、年级、每月可支配收入等因素在不同程度上影响着大学生信贷行为。Based on theoretical analysis,this paper constructs a logit regression model to empirically test the impact of socialization factors on college students’credit attitude and campus credit behavior.The results show that college students’credit attitude and behavior are affected by individual socialization,among which the influence source and place of origin of socialization factors have a significant impact on college students’credit attitude,and there are significant differences in different attitude dimensions.In the negative attitude,the diversification of influence sources can weaken the negative degree of credit behavior.From the source of students,the credit attitude of urban students is more positive than that of rural students.In addition,factors such as credit attitude,family social class,source of socialization,place of origin,grade and monthly disposable income affect college students’credit behavior to varying degrees.

关 键 词：消费者社会化 信贷态度 大学生 信贷行为 

分 类 号：F832.479[经济管理—金融学]