Understanding Credit Risk in Internet Consumer Finance:An Empirical Analysis with a Focus on the Young Generation  

作　　者：Xiaodan Wang 

机构地区：[1]Lomonosov Moscow State University,Moscow 119991,Russia

出　　处：《Proceedings of Business and Economic Studies》2023年第6期81-91,共11页商业经济研究（百图）

摘　　要：In recent years,internet finance has garnered increasing attention from the public.Online lending,emerging within the framework of Internet finance as a pivotal component,has witnessed substantial growth.While online credit,within the realm of Internet finance,presents numerous advantages over traditional lending,it concurrently exposes a plethora of credit risk issues.This study aims to facilitate the effective utilization of online credit tools by the young generation within the context of Internet finance.Additionally,it seeks to ensure the overall stability of the Internet finance environment and mitigate risks for the youth.Given the significance of understanding credit risk management for college students in the age of internet finance,this paper adopts the logistic model to evaluate credit risk in internet consumer finance and provides pertinent recommendations from the perspective of the young generation.

关 键 词：Young generation Credit risk in Internet consumer finance Influencing factors Logistic model 

分 类 号：TP3[自动化与计算机技术—计算机科学与技术]