基于Tobit模型的大学生信用消费分析研究  

Research on credit consumption of college students based on Tobit model

作　　者：杨银娣 严金哲[1] 崔明哲 冯辉 马晓东[1,2] YANG Yindi;YAN Jinzhe;CHOI Myeongcheol;FENG Hui;MA Xiaodong(College of Business&Economics,Gachon University,Gyeonggi-do,South Korea;Accounting School,Jiangsu Vocational College of Finance&Economics,Huai’an 223003,China;College of Computer and Information,Hohai University,Nanjing 211106,China)

机构地区：[1]嘉泉大学经营学院,京畿道韩国 [2]江苏财经职业技术学院会计学院,淮安223003 [3]河海大学计算机与信息学院,南京211106

出　　处：《中南民族大学学报（自然科学版）》2021年第6期654-660,共7页Journal of South-Central University for Nationalities：Natural Science Edition

基　　金：江苏省高职院校教师专业带头人高端研修项目(2020GRFX021)。

摘　　要：采用Tobit模型对大学生信用消费支出的影响因素进行分析.在校园访谈和前人研究的基础上,对大学生信用消费支出的影响因素作出6个假设.根据大学生的经济环境和消费情况设计问卷,并在某市大学城发放问卷收集数据,然后进行变量处理、描述性统计分析、相关分析和Tobit模型分析.双变量相关分析的结果显示,月平均信用消费支出与家庭条件和月平均生活费用负相关,并与月平均网购数量呈正相关.自我控制、唯物主义和信贷消费理念,P值都相对较大,可信度不高.根据Tobit回归结果,假设1和假设2不成立,假设3、假设4、假设5和假设6成立.其中,信贷消费观对大学生信用消费支出的影响最大,而家庭条件和生活费用对大学生信贷消费支出的影响不是很大.学生的自我控制能力和认知观念对信贷消费支出的使用也有一定的影响.Tobit model is used to analyze the influencing factors of college students′credit consumption expenditure.On the basis of campus interviews and previous studies,six hypotheses on the influencing factors of college students′credit consumption expenditure are made.A questionnaire according to the economic environment and consumption situation of college students is designed,and distributed in a university town to collect data,and then conducted variable processing,descriptive statistical analysis,correlation analysis,and Tobit model analysis.According to the results of bivariate correlation analysis,the monthly average credit consumption expenditure is negatively correlated with family conditions and the monthly average living expense,and positively correlated with the monthly average online shopping amount,self-control,materialism and view of credit consumption,but the P values are all relatively large and not highly credible.According to Tobit regression results,hypothesis 1 and Hypothesis 2 are not true,while hypothesis 3,hypothesis 4,hypothesis 5 and hypothesis 6 are.Among them,the view of credit consumption has the greatest influence on college students′credit consumption expenditure,while the influence of family conditions and living expenses are not so important.The students′self-control and cognitive concepts also have a certain influence on the use of credit consumption expenditure.

关 键 词：大学生信用消费支出 TOBIT模型 线性回归 因素分析 

分 类 号：O625.67[理学—有机化学] O643.3[理学—化学]