College Student's Consumption Credit Behavior Influence Factor Analysis

College students are the main force of the future credit and consumer market,which relate the development of the future economical society,leading the behavior of college students' credit plays an important role in financial sustainable and healthy economic growth.According to the survey,in 2017,the number of college students in China has reached 35.59 million,with a capital shortfall of over 80 percent.The potential market size is nearly 100 billion yuan,and the online loan platforms for college students have been gaining popularity in the past three years,which expand rapidly in universities in recent years,besides,many colleges expand its scale and the college students are growing stronger.In order to better guide the credit behavior of college students,this article is based on behavioral consciousness and the default behavior influence factor analysis,to make clear college students credit behavior and default behavior is associated with what kind of factors,and puts forward corresponding suggestions.According to theory and research content,this paper has designed and issued a questionnaire,which indicates that the rate of credit incidence of female students is higher than that of the boys,but the incidence of default is lower than that of the boys.Credit behavior(including behavioral intention and default behavior)is all related to academic degree and major.Students with financial knowledge are more likely to have the willingness to lend,but it is not easy to have a credit default.In addition,the payment method has a significant impact on the willingness of credit,and students who pay by using alipay,WeChat,etc,have a higher incidence of credit than students who use cash.Finally,this paper puts forward some proposals according to the empirical results.The innovation of this paper is that the topic is relatively new and the topic of research is of considerable practical significance.At present,many researches on college students' credit problems remain on the basis of qualitative analysis,and there is no relevant data and data support.In this paper,abstract behavioral psychology can be used to study virtual variables,such as academic degree and major,etc,which can be used to reverse theimportance of variables.In addition,college students,as the main force of the future society,can not ignore the guidance of good credit behavior.