Research on College Students’ Use Behavior and Trend of Internet Consumer Finance—Experience Evidence from 646 Chinese Higher Vocational Students

Abstract

The number of higher vocational students in China is nearly half of that of college students, and Internet consumer finance products are becoming more and more popular among vocational college students. The rational use of Internet consumer finance is not only related to the change of social consumption pattern, but also related to the safety and stability of Campus. Based on the questionnaire survey data of 646 higher vocational students, this paper constructs binary logistic regression model and multi classification logistic regression model to analyze the influencing factors and usage trend of Internet consumer financial products of vocational college students. Gender, hometown area, monthly living expenses, average online consumption amount and understanding of Internet consumer financial products have obvious influence on Vocational College Students’ Internet consumer finance use behavior. At the same time, higher vocational students have certain comparison and irrational consumption behavior in the use trend of Internet consumer financial products. Therefore, it is necessary to strengthen the education of Internet consumer market. Research on College Students’ Use Behavior and Trend of Internet Consumer Finance—Experience Evidence from 646 Chinese Higher Vocational StudentsDownload