Demand Ana Lysis Of College Student Consumption Loans

In recent years,affected by a variety of consumer culture,the demand for loans from college students' consumption is constantly increasing,and the proportion of college students' Internet consumption loan is also gradually enhancing in the way of their consumption.Nevertheless,as the explosive development of the Internet consumer loan platform for college students,malicious collection events have frequently appeared.One of the purposes of this dissertation is to explore a way to balance the relationships among the various parties,in order to ensure the Internet consumer loan market for college students can grow orderly and healthy.This paper utilizes the college students in Guangxi University as the research objects to explore the demand of college students on the Internet consumption loan,and provides several pertinent suggestions to solve the existing problems.Firstly,through teasing out the three aspects of loan demand,including user satisfaction,demand for Internet financial products and Internet credit risk based on domestic and foreign research status,this paper finds that there are three characteristics of campus Internet consumption loan:short time,rapid development and irregular development.Then this paper analyzes the Internet consumption loan products market of college students.On the one hand,summarizing the current situation of Internet consumer loan products' development and supervision;On the other hand,comparing and analyzing currently existed Internet consumer loan products.Secondly,based on the aforementioned analysis of current situation,this paper has investigated more than one thousand students in Guangxi higher education college through giving out questionnaires.The content of questionnaires includes basic information survey,product category,price and service quality demand survey and repayment ability survey.Then we conduct an empirical analysis on the basis of the collected data,utilizing factor analysis factor method to explore the factors that affecting demand and analyzing the connection between each factor and demand.Finally,aiming at the demand of the Internet consumption loan for college students,this paper puts forward targeted suggestions on the basis of the Internet consumption loan platform and government two different dimensions.