Research on the identification, evaluation and countermeasures of college students' online credit risk under the background of Internet finance——Based on the research of Jiangsu universities
互联网金融背景下大学生网络信贷风险识别、评价与对策研究——基于江苏高校的调研

摘要

互联网的迅速发展推进了互联网金融的崛起。这使得大学生信贷行为产生了重大转变。文章在分析影响大学生网络信贷行为的理论基础之上，采取问卷调查的方式，以江苏高校大学生群体为调查对象，分别从绩效期望、努力期望、社会影响、促成影响、感知风险及信任因素进行探究，从而深入了解大学生互联网信贷产品使用行为情况，为大学生应对网络信贷风险提出对策建议。

Abstract

The rapid development of the Internet has promoted the rise of Internet finance. This has brought about a major shift in college students' credit behavior. Based on the analysis of the theoretical basis of influencing college students' online credit behavior, this paper adopts the method of questionnaire survey, taking the college students in Jiangsu as the survey object, and explores the factors of performance expectation, effort expectation, social influence, enabling influence, perceived risk and trust. , so as to deeply understand the use behavior of college students' Internet credit products, and put forward countermeasures and suggestions for college students to deal with online credit risks.