Higher Campus Consumer Research To The Influe Vocational Ntial Factors Of Financial Risk

The combination and innovation of Internet technology and traditional financial mode have promoted the birth and development of the new industry of college consumer finance.College students use consumer financial products to meet their needs,but because they have no income,prone to impulsive consumption,lack of financial literacy and other characteristics,increasing the probability of financial risks.Therefore,in order to build a healthy campus consumer financial environment,this paper studies the consumer financial risk of college students in Fujian vocational colleges,and discusses the factors that affect the consumer financial risk of college students.First of all,in chapter one,we introduce the consumer finance theory,campus loan behavior analysis and other related research at home and abroad.In chapter two,we briefly introduce the theory of information asymmetry and other theoretical basis of this study.In chapter three,we introduce the development status,policy opportunities,operation mode and risk types of college consumer finance market.In chapter four,we collect data on the causes of risk and propose six dimensions that affect the default risk of college students.In chapter five,the Logistic Regression Model is used for empirical analysis.Default or not is taken as the dependent variable and six dimensions are taken as independent variables to construct the Logistic Regression Model and obtain the measurement model expression that affects the consumer financial risk of college students.The empirical results show that school performance,economic conditions,consumer finance awareness,repayment awareness and consumer finance use behavior have significant effects on risk.Finally,according to the analysis results,this paper puts forward some suggestions on the prevention of college consumer finance risks.