Research On The Influence Of Internet Consumption Credit On Subjective Well-being

In recent years,with the development of economy,the quality of life and happiness has attracted more and more attentions of ordinary people and the academic community.With the development of Internet consumer credit and the improvement of its service,the ration of people using consumer credit increased gradually,and various Internet consumer credit products also emerged in an endless stream.Internet consumer credit focuses more on the user's experience,convenience and availability of services,but it is still a credit activity.The emergence and expansion of Internet consumer credit has made a subversive effect on human society.The study of SWB(Subjective Well-Being)was mainly investigated in psychology,sociology and other fields.Few domestic scholars conducted the research from the economic perspective of subjective well-being.SWB is a positive psychological experience of the individual,under his/her own living conditions,which is embodied in all aspects of the individual life,including economy and consumption level,et al.Therefore,it needs further investigation and analysis.At the same time,it is of great practical significance to study SWB based on consumer behavior.This thesis researches the influence of the Internet consumer credit on SWB from the perspective of consumer subjective well-being based on the modern consumption theory,taking the development characteristics and current status of China Internet consumer credit into consideration.First-hand data was obtained by questionnaire.The influence of different demographic variables on subjective well-being and personal behaviors of Internet consumer credit was analyzed by the test reliability and validity of the data preprocessing,descriptive analysis,independent sample T-test and One-Way ANOVA.Then the relationship between the Internet consumer credit and SWB was built by correlation analysis and Multi factor linear regression method.After the premise of the thesis and the main test theory structure has been validated,the relationship between SWB and Internet consumer credit was discussed.The main conclusions are:age and marital status have a significant effect on SWB,while other demographic variables haven't;age has a significant effect on Internet consumer credit behavior while other demographic variables haven't;there is a significant positive correlation between Internet consumption credit and SWB.