Research On Influencing Factors Of Financial Exclusion For Online Credit Payment Of College Students

This paper is based on questionnaires and field surveys of university students in six universities in Anhui Province,the use of the Beijing East Bank,an empirical analysis of the factors affecting the financial exclusion of college students online credit payment,and put forward corresponding countermeasures in order to improve college students online credit Paying for financial inclusion can,to some extent,increase the financial tolerance of the entire financial market.The overall framework of the article is as follows:(1)It mainly elaborates the background and research significance,and the way of thinking for research,laying the foundation for further research.(2)Domestic and foreign literature review and literature review.(3)The definition of related concepts and products aims to better explain the object of the article research.(4)Data sources and sample conditions.College students from six colleges and universities in Anhui Province were selected as the research subjects.Field survey questionnaires were used to collect data on college students' online credit payment(5)from the three basic dimensions of financial inclusion: Penetration,affordability,and effective use of three aspects to start,on the college students online credit payment financial tolerance measures.The result of the measurement shows that the respondents of the Jingdong I-Browser have a financially tolerant level of online credit payment,and there is financial exclusion.Based on the low level of inclusiveness measured by measures,there is financial exclusion.The aggregate questionnaire data is analyzed by logistic model to find the main influencing factors.Then cross-analysis was used for all survey data to further explore the factors affecting financial exclusion.(6)Based on the main influencing factors,put forward corresponding countermeasure suggestions from three aspects: the basic situation of college students,the use of online credit payment tools by college students,and the degree of social informationization.