论文总字数：17831字

摘 要

电子商务平台的快速发展以及互联网金融的蓬勃兴起，使得我国网络消费人数呈不断上涨趋势，而大学生作为易于接受新型消费观念的人群，正逐步成为网络消费的主力军。与此同时，互联网金融也在大学生消费市场寻找到了新的利润增长点，各类针对大学生消费群体的分期购物平台迅猛发展，趣分期、先花花、分期乐，蚂蚁花呗等一大批大学生分期购物平台如雨后春笋般涌现。国家统计局2015年统计数据显示，我国约有2625.3万在校大学生，这就意味着大学生消费市场容量约为2400万人。目前国内大学生分期消费额已达到500亿人民币^[1]，这是一个急需开发的大市场，因此对大学生分期付款消费情况进行探究就显得尤为重要。

本文以江苏区域为例，分析了江苏大学生分期付款消费状况。基于大学生分期付款消费的时代背景以及现实意义，系统阐述了江苏大学生分期付款的现状以及存在的利弊。通过问卷调查与文献分析两种方式，对分期付款的定义、特征，利弊进行阐述。最后根据江苏大学生分期付款的现状提出建议与对策：政府应加强政策疏导、大学生应养成合理的消费观念，学校要加强金融方面的培训。

关键词: 大学生 分期付款消费 对策建议

Consumer installment of Jiangsu College Students

Abstract

With the rapid development of e-commerce platforms, the number of Internet consumption in China has increased recently. College students , who are easy to accept the new things of the consumer population, gradually become the main force of network consumption. At the same time, Internet banking also find new profit growth point in college students' market. A variety of installment shopping platforms have been springing up, for example, the Interest Stage, the First Flower Stage Music, Ant Flower Chant. According to the National Bureau of statistics in 2015 statistics, the national average undergraduate students is about 26.25million, that is to say, the market capacity of college students about 24 million people. At present, the college students' consumption has reached 50 billion yuan per year, which is an urgent need to develop this big market. Therefore, it is particularly important to explore the consumption of college students' installment payments.

Taking Jiangsu region as an example, this paper analyzes the status of Jiangsu college students' consumption by installments. Based on the era background and practical significance of the consumption of college students, this paper systematically expounds the current situation and analyzes advantages and disadvantages of Jiangsu college students' installment payment. Through questionnaire survey and literature analysis, the definition, characteristics, advantages and disadvantages of the two methods are described in this paper. Finally, according to the current situation of Jiangsu college students to make recommendations and countermeasures: Firstly, the government should strengthen policy guidance. Secondly, college students should develop a reasonable consumption concept. Thirdly, the school should strengthen the financial aspects of training.

Key Words: College Students； Consumer installment； Suggestions

目 录

摘要 I

ABSTRACT II

第一章 绪论 1

1.1 研究背景 1

1.2 研究意义和目标 1

1.2.1 研究意义 1

1.2.2 研究目标 2

1.3 研究内容与研究方法 2

1.3.1 研究内容 2

1.3.2 研究方法 2

1.4 研究的可能创新与不足 3

1.4.1 研究创新...............................................................................................................3

1.4.2 研究不足...............................................................................................................3

第二章 大学生分期付款概述 4

2.1 大学生分期付款的定义 4

2.2 大学生分期付款的特征 4

2.3 大学生分期付款的现状及成因 5

2.3.1 大学生分期付款的现状 5

2.3.2 现状产生的原因 6

第三章 江苏区域大学生分期付款调查报告 8

3.1 调查方法 8

3.2 数据的来源与选取 8

3.3 调查结果分析与数据所反映的问题 9

3.3.1 调查结果分析 9

3.3.2 数据所反映的问题 13

第四章 大学生分期付款存在问题的解决对策 17

4.1 政府层面 17

4.2 高校层面 17

4.3 大学生层面 18

4.4 分期机构层面 18

结语 19

参考文献 20

附录..................................................................................................................................................................25

致谢 26

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