金融素养对大学生使用花呗消费影响调查分析

金融素养对大学生使用花呗消费影响调查分析摘要本文通过对沈阳工学院500名学生发放调查问卷收集的数据进行系统分析，通过数据分析进一步对沈阳工学院大学生金融素养水平进行评估，建立相关问题，如调查对象的主观金融素养、风险态度、性别、年级、专业、户口所在地和受访者父母学历及资产，分析所存在的问题对大学生网贷消费决策和使用花呗消费频率的影响。立足于金融素养角度来考量大学生网贷消费行为的影响因素，大学生作为网货消费的主要群体，借助其特征来描述社会中人群的金融素养水平，进而提出理性使用消费信贷的合理建议。本文从相关金融知识出发，以客观的角度、理性的思维对所回收的调查问卷进行合理分析。浅析金融素养的概念，使读者对金融素养这一概念得到进一步的认知，再通过金融素养与网贷行为间的相互作用情况，得出金融素养在网贷行为过程中发挥着最重要的作用，进一步以此得到金融素养对大学生使用花呗消费影响的意义：提升金融素养，可以帮助我们寻找到合适的金融产品，使我们更好地参与金融市场之中，实现个人财富和所处环境财富的最优配置。其次，本文对发放的调查问卷进行详细的描述：设置调查对象、内容、方式，通过线上平台将问卷发放给相关群体，对调查样本描述性分析，分析方式主要通过数据、表格、图等形式。参考调查问卷结果，得出金融素养对大学生使用花呗消费影响分析，主要从教育学、金融学与心理学的角度出发，分析影响大学生进行网贷消费的实时状况。最后，对大学生使用花呗消费的正向影响建议，从国家、行业、学校、个人的四个方面表明本文的思想。关键词：金融素养：蚂蚁花呗；消费决策AbstractThis paper analyzes the data of 500 students,through the data analysis of Shenyangcollege students financial literacy level,establish subjective and objective financial literacy,risk attitude,gender,grade,professional,residence and respondents parents degree and assets,to college students net loan consumption decision and the use of bai consumption frequency.Based on the perspective of financial literacy,we consider the influencing factors ofonline lending consumption behavior of college students,as the main group of online lendingconsumption,describe the financial literacy level of people in the society by virtue of theircharacteristics,and then put forward reasonable suggestions on the rational use of consumercredit.Starting from the relevant financial knowledge,this paper will rationalize the collectedquestionnaires from an objective perspective and rational thinking.Analysis of the concept offinancial literacy,make the reader to further cognition of financial literacy,and through theinteraction between financial literacy and net lending behavior,the financial literacy plays themost important role in net behavior,further get financial literacy for college students use baiconsumption significance:improve financial literacy,can help us find the appropriatefinancial products,make us better participate in the financial market,realize the optimalconfiguration of personal wealth and environmental wealth.Secondly,this paper gives adetailed description of the questionnaire issued:set up the survey objects,content andmethods,distribute the questionnaire to the relevant groups through the online platform,andmake a descriptive analysis of the survey samples,mainly through data,tables,charts andother forms.Thirdly,referring to the results of the questionnaire,the analysis of the impact offinancial literacy on Huabei consumption of college students is mainly from the perspective ofeducation,finance and psychology to analyze the real-time situation of online loanconsumption.Finally,the positive influence on the consumption of college students shows theideas of this paper from the four aspects of country,industry,school and individual.Key words:Financial Literacy;Ant Flower Bai;Consumption Decision目录摘要.Abstract.绪论1金融素养对大学生使用花呗消费影响的概述31.1金融素养的内涵..........31.2金融素养对网贷行为的影响情况41.3研究金融素养对大学生使用花呗影响的意义2调查问卷的