互联网消费金融对消费行为的影响研究——以高校学生群体为例  

Research on the impact of Internet Consumer Finance on consumer behavior-Taking college students as an example

作　　者：张士成 Zhang Shicheng(School of Big Data Application and Economics,Guiyang 550025)

机构地区：[1]贵州财经大学大数据应用与经济学院,贵阳550025

出　　处：《北方经贸》2025年第2期99-102,共4页Northern Economy and Trade

基　　金：2024年贵州财经大学在校学生科学研究项目(2024ZXSY245)。

摘　　要：近年来,大学生在校数量逐年增加,已经成为消费的主力军之一,也是互联网消费金融的重要目标客户之一。通过梳理文献和对互联网消费金融发展现状及运营模式的分析发现:互联网消费金融增加了大学生的线上购物机会的同时,也改变了大学生消费理念。然而由于大学生自身控制能力不强、风险承担较差,出现了很多不能及时还贷、逾期的现象。据此在国家层面、互联网消费金融平台层面及大学生自身层面提出信用风险治理建议。in recent years,the number of college students has increased year by year,which is one of the main forces of consumption and one of the important target customers of Internet consumer finance.Through literature review and analysis of the development status and operation mode of Internet consumer finance,this paper finds that Internet consumer finance not only increases college students'online shopping,but also changes college students'consumption concept.However,due to college students'insufficient control ability and poor risk-taking,there are many phenomena of not paying back loans in time and overdue.It provides a theoretical reference for the country to further optimize the development of Internet consumer finance.

关 键 词：互联网消费金融 消费行为 高校学生 

分 类 号：F830[经济管理—金融学]