[1]刘 浏,丁孝智,郭学军.基于金融素养理论的大学生消费信贷风险研究[J].佛山科学技术学院学报社科版,2020,(06):054-63.
 LIU Liu,DING Xiao-zhi,GUO Xue-jun.Research on Risky Credit Behavior of College Students Based on the Theory of Financial Literacy[J].,2020,(06):054-63.
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基于金融素养理论的大学生消费信贷风险研究
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《佛山科学技术学院学报》社科版[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2020年06期
页码:
054-63
栏目:
出版日期:
2020-11-30

文章信息/Info

Title:
Research on Risky Credit Behavior of College Students Based on the Theory of Financial Literacy
文章编号:
1008-018X(2020)06-0054-10
作者:
刘 浏 1丁孝智 2郭学军 3
(1. 肇庆学院 电子与电气工程学院, 广东 肇庆 526061; 2. 肇庆学院 发展规划处, 广东 肇庆 526061; 3. 兰州财经大学 工商管理学院, 甘肃 兰州 730101)
Author(s):
LIU Liu1 DING Xiao-zhi2 GUO Xue-jun3
(1. School of Electronics and Electrical Engineering, Zhaoqing University, Zhaoqing 526061, China; 2. Department of Development Planning, Zhaoqing University, Zhaoqing 526061, China; 3. School of Business Administration, Lanzhou University of Finance and Economics, Lanzhou 730101, China)
关键词:
金融素养消费信贷物质主义自我控制大学生
Keywords:
financial literacy consumer credit materialism self-control college student
分类号:
F832.2
文献标志码:
A
摘要:
大学生的消费信贷问题已引起学界的持续关注,但鲜有文献讨论消费信贷风险的形成机理。本文基于金融素养理 论,通过对珠三角高校的问卷调查与实证分析,从个体行为的微观视角,考察大学生的金融素养与消费信贷风险间的互 动关系及其边界条件。 研究表明:金融素养是诱发信贷违约与违法行为的重要前因,大学生的消费信贷风险随着金融素 养的降低而不断提高;社会中泛滥的物质主义价值观会加剧金融素养低下大学生的消费信贷风险;大学生的自我控制能 力越强,越能够抑制较低的金融素养所引起的信贷违约与违法行为。
Abstract:
The consumer credit behaviors of college students have attracted the attention of academic research, but few studies analyze the formation mechanism of risky credit behaviors. Based on the theory of financial literacy, this study employs an empirical analysis to investigate the interaction between college students’ financial literacy and risky credit behaviors in the Pearl River Delta region of China. The results show that the financial literacy of college students has a negative impact on their risky credit behaviors. Materialism negatively moderates the relationship between financial literacy and risky credit behaviors. We also find that college students’ self-control can restraint the negative impact of financial literacy on risky credit behaviors.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2020-08-15 基金项目:国家自然科学基金项目(71863023);肇庆学院科研基金项目(201821);肇庆学院质量工程及教学改革项目(zlgc201848) 作者简介:刘 浏(1992-),女,甘肃兰州人,肇庆学院电子与电气工程学院讲师,管理学硕士,从事教育经济学研究。 丁孝智(1962-),男,甘肃武威人,肇庆学院发展规划处处长,教授,经济学博士,从事消费者行为研究。
更新日期/Last Update: 2021-01-15