互联网消费信贷产品对消费行为的影响研究

摘要中国人民银行公布的最新数据显示，上半年人民币贷款同比增加15.73万亿元。其中，个人短期消费贷款增加3009亿元，同比增加4019亿元。当前，消费对经济的拉动作用增强。互联网消费信贷产品是促进消费复苏、激发潜在需求的重要手段，对提高居民消费意愿、促进消费稳中向好具有积极作用。从消费群体的角度来看，年轻消费者有更高的边际消费倾向，他们的主要消费和消费金融产品的主要用户。年轻人喜欢网购，习惯使用手机理财和借款，对理财产品的便利性和灵活性要求较高。因此，以大学生为调查对象，调查结果具有一定的代表性，这有助于我们更好地探索网络消费信贷产品对消费者行为的影响机制。本研究报告通过研究互联网消费信贷产品对消费者行为的影响，分析了大学生在使用互联网消费信贷产品时，消费习惯、消费心理和消费决策的变化。希望通过这次调查，相关金融机构的业务经理可以了解消费者在互联网金融市场的行为特征，揭示其作用机理和效果，提供参考和建议，为金融机构提供有效的风险管理和产品创新。关键词：互联网金融：消费信贷：消费行为1AbstractThe latest data released by the People's Bank of China showed that RMB loans increased by15.73 trillion yuan year-on-year in the first half of the year.Of this amount,short-term personalconsumer loans increased by 300.9 billion yuan,up 401.9 billion yuan year-on-year.At present,consumption plays a stronger role in driving the economy.Internet consumer credit products are animportant means to promote consumption recovery and stimulate potential demand,and play apositive role in increasing people's willingness to consume and promoting the steady and positivegrowth of consumption.From the perspective of consumer groups,young consumers have a highermarginal propensity to consume,their main consumption and the main users of consumer financialproducts.Young people like online shopping and are used to using mobile phones for financialmanagement and borrowing,so they have high requirements for the convenience and flexibility offinancial products.Therefore,taking college students as the respondents,the survey results arerepresentative to some extent,which helps us to better explore the impact mechanism of onlineconsumer credit products on consumer behavior.By studying the impact of Internet consumer credit products on consumer behavior,thisresearch report analyzes the changes in consumption habits,consumer psychology andconsumption decisions of college students when using Internet consumer credit products.It ishoped that through this survey,the business managers of relevant financial institutions canunderstand the behavioral characteristics of consumers in the Internet financial market,reveal itsmechanism of action and effect,provide reference and suggestions,and provide effective riskmanagement and product innovation for financial institutions.Key words:Internet finance;Consumer Credit;Consumer behavior目录摘要.Abstract..第一章绪论1.1研究背景1.1.1时代背景..1.1.2政策背景1.1.3理论背景21.2研究意义.21.2.1理论意义21.2.2现实意义.21.3文献综述.31.3.1国外研究现状31.3.2国内研究现状1.3.3文献评述1.4研究内容及方法..61.4.1研究内容….61.4.2研究方法.61.5研究创新点及不足.71.5.1创新内容.71.5.2不足之处.7第二章互联网消费信贷及消费行为的现状分析82.1互联网消费信贷现状分析82.1.1发展历程82.1.2市场主要模式82.1.3主要互联网消费信贷产品与对比0.92.2.消费行为现状分析92.2.1消费水平的提高..92.2.2消费观念的转变….102.2.3消费结构的变化.…10第三章互联网消费信贷影响消费行为的理论分析1131互联网消费信贷及消费行为的相关概念.113.1.1互联网消费信贷3.1.2消费行为23.2互联网消费信贷影响消费行为理论基础113.2.1相对收入理论113.2.2生命周期消费理论.12第四章信贷消费产品影响消费行为的问卷设计及分析134.1问卷问题的设计和收集134.1.1问卷设计…4.1.2问卷有效性检验134.1.3问卷收集….144.2问卷分析….154.2.1用户基本情况.154.2.1用户使用情况画像.174.2.2使用现状调查194.2.3对消费者消费行为影响调查.204.2.4消费者还款及违约情况调查.22第五章结论与对策建议…235.1结论…235.1.1消费者心理和行为.…..235.1.2社会消费结构和规模.235.1.3金融教育与风险管理…235.2对策建议235.2.1消费