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当代社会经济中,信贷消费已经相当普遍。而作为没有固定收入、依附性消费普遍的消费群体——大学生,势必会是信贷消费的潜在、新兴群体。伴随着求新求变的心理,以及未来消费能力的巨大潜力,大学生的信贷消费具有深刻的研究意义。本文采用因子分析结合回归分析的方法,以南京地区大学生为例,将调研的数据进行处理、分析,最终得出影响南京地区大学生信贷消费的影响因素。最后针对有关机构提出建议。
In contemporary social economy, credit consumption has been quite common. As a consumer group with no fixed income and dependent consumption, college students, it is bound to be a potential and emerging group of credit consumption. With the new and changing psychology, as well as the great potential of spending power in the future, college students’ credit consumption has profound research significance. This paper uses factor analysis combined with regression analysis to Nanjing University students as an example, the research data processing, analysis, and ultimately come to influence the impact of Nanjing University credit consumption factors. Finally, the relevant agencies to make recommendations.