摘要近年来，随着互联网的发展，互联网金融也如火如荼，其中针对大学生的消费信贷，也越来越广泛地被大学生所熟知和接受，特别是分期购物，已经是越来越多大学生在线购物的支付选择。

根据企鹅智库2015年数据，50。6%的大学生使用过网络分期贷款。分期购物类产品对大学生的消费观念也产生了很大的影响，本文希望通过对影响大学生互联网分期购物类产品态度的因素研究，了解哪些因素会影响大学生对分期购物的态度，为相关产品的网络推广作出指导意义。74653

本文首先根据文献的查阅和生活常识提出了四个假设，分别为H1：分期购物类产品态度三个维度之间成正向相关关系；H2: 分期购物类产品态度与大学生个人消费习惯相关；H3: 分期购物类产品态度与大学生的风险偏好呈正相关关系；H4：分期购物类产品态度与外部环境因素研究呈正相关关系。然后设计了一组问卷，对问卷进行了初测以及效度和信度分析，然后通过对数据的分析及解读，验证本人的假设是否正确，最后得出结论。

In recent years, with the development of the Internet, Internet banking is also in full swing, which aimed at college students consumer credit, is more and more widely by college students to be known and accepted, especially staging shopping, is more and more college students online shopping payment choice。

According to the penguin think tank in 2015 data, 50。6% of college students use the network installment loan。 Staging shopping products consumption concept of college students also had a great impact, this paper hopes to understand what factors will influence on College Students' attitude to staging shopping, for the promotion of a network of related products to make guidance through factors on College Students Internet staging shopping product attitude。

Firstly according to the literature and common sense of life proposed four hypotheses, respectively is H1: a positive correlation between the three dimensions of staging shopping product attitude; H2: staging shopping product attitude and college students personal consumption habits; H3: staging shopping product attitude and students' risk preferences are positively related; H4: staging shopping product attitude and external environmental factors of positive。 Then a set of questionnaire was designed, the questionnaire was first tested and validity and reliability analysis, and then through the analysis of the data and interpretation, verify my hypothesis is correct, and finally come to the conclusion。

毕业论文关键词：分期消费；风险偏好；消费习惯；态度因素

Key words: stage of consumption；risk preference；consumption habit；attitude factors

目 录

1 引言 1

1。1 研究背景 1

1。2 研究问题及研究意义 1

1。3 研究方法 1

1。3。1 文献阅读研究 1

1。3。2 问卷调查研究 1

1。3。3 统计分析方法 2

2 文献综述 2

2。1 消费金融研究 2

2。2 消费金融产品使用行为研究 2

2。3 态度与行为相互关系的研究 2

3 我国大学生互联网分期消费现状分析 3

3。1 互联网分期消费产品发展现状 3

3。1。1分期付款的发展 3