消费者社会化、超前消费与大学生网络信用消费行为  

Consumer Socialization Premature Consumption and Internet Credit Consumption Behavior of College Students

作　　者：孙兆明[1] 李新阳 SUN Zhao-ming;LI Xin-yang(College of Economics and Management,Qingdao Agricultural University,Qingdao 266109,China)

机构地区：[1]青岛农业大学经济管理学院,山东青岛266109

出　　处：《数学的实践与认识》2022年第12期15-29,共15页Mathematics in Practice and Theory

基　　金：青岛农业大学思想政治教育研究课题“大学生网络信贷消费‘偏异’行为疏导与理性消费观培养”,青岛农业大学“专创融合”教学改革项目“创新创业教育融入证券投资学课程改革研究”。

摘　　要：在消费主义思潮和互联网社会的双重冲击下,大学生普遍接受超前消费,消费者社会化进程面临新变化.运用二元Logit和有序Logit回归模型,检验大学生超前消费与互联网消费信用行为的关系,结果发现:互联网社会重塑了大学生消费路径,互联网消费信用工具迎合了市场需要,成为超前消费实现的有效支撑工具;大学生超前消费受同龄人影响大,与其家庭社会背景关联不显著,与成长需要关联密切,生活费较低的大学生更愿意接受超前消费.进一步的研究发现,大学生消费结构随年级变化而变化,超前消费总体在可控范围内.互联网社会和超前消费事实上促进了大学生社会化进程,但较低水平的金融素养值得关注.Under the dual impact of consumerism and internet society,the college students generally accept premature consumption.And consumer socialization is facing new changes.Using binary Logitech and orderly Logitech regression model to examine the relationship between college students'premature consumption and credit behavior during consumption online,the results show that:The Internet has reshaped the consumption path of college students.Internet consumption credit tools cater to market needs and become effective tools for the realization of premature consumption;College students'premature consumption is greatly influenced by their peers,which is not significantly related to their family's social background,but significantly related to their growth needs.College students with lower living expenses are more willing to accept premature consumption.Further research finds that the consumption structure of college students varies with grade,and premature consumption is generally under control.Internet society and premature consumption actually promote the socialization process of college students,but the lower level of financial literacy and risk awareness deserves attention.

关 键 词：超前消费 互联网消费信用工具 消费者社会化 在校大学生 金融素养 

分 类 号：F713.55[经济管理—市场营销] F724.6[经济管理—产业经济] F832.4[文化科学—高等教育学] G645.5[文化科学—教育学]