摘 要：近几年，分期贷款业务兴起并迅速壮大，受到社会越来越广泛的关注。本文以322名淮安高校大学生为对象，就大学生对分期贷款的接受程度，了解程度，影响因素和存在的问题等方面展开问卷调查。调查结果显示，淮安大学生对分期贷款了解程度和接受程度均不高，而且接受度与大学生每月生活费呈正相关的联系。此外还发现分期贷款业务存在收费过高；危害隐私；滋生大学生的攀比虚荣心理。针对分期贷款存在的问题，本文提出政府应加强分期行业的监管，分期平台要加强自身的管理，更为重要的是大学生要树立正确的消费观念，杜绝过度超前消费。70907

毕业论文关键词：分期贷款，接受程度，影响因素，解决对策

Abstract：In recent years, the rise of the loan installment business has grown rapidly, and has received more and more attention from the society. In this paper, we take 322 college students in Huaian as the object, the students on the degree of acceptance of the installment loan, understanding the degree of influence factors and the existing problems and other aspects of the questionnaire survey. Survey results show that Huaian college students to understand the degree and degree of acceptance of loans are not high, but also a positive correlation between the degree of acceptance and college students monthly living expenses. In addition, it also found that there is a high fee for the installment loan business, which is harmful to privacy. For installment loans existing problems, this paper puts forward the government should strengthen stage industry regulation, staging platform to strengthen the management of their own, more is important to college students to establish a correct concept of consumption, rejecting the competition consumption, excessive consumption in advance. 

Keywords：Instalment Loan, Acceptance level, Influence Factor，Solving countermeasures

目 录

1  引言 3

2  调查背景 3

2.1  分期贷款业务兴起壮大 3

2.2  分期贷款业务问题 4

2.3  调查的主要问题 4

3  调查问卷设计 5

3.1  调查对象及方式 5

3.2  问卷核心问题设计 5

3.3  数据样本特征 5

4  大学生对分期贷款的接受程度分析 5

4.1  大学生对分期贷款业务的了解接受程度 5

4.2  学生对分期贷款业务的接受程度影响因素分析 6

4.3  大学生对分期贷款业务的接受原因 8

4.4  大学生对分期贷款业务的拒绝原因 8

5  分期贷款业务存在的问题 9

5.1  缺乏对分期贷款业务的了解 9

5.2  助长攀比心理，过度超前消费 9

5.3  还款来源主要为生活费，缺乏还款保障 10

6  相关对策建议 10

结论 12

参考文献 13

致谢 14

附录 15

1  引言