网络贷款使用对大学生冲动性消费行为影响研究
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摘要
网络贷款的兴起在助益个人消费的同时也带来了以冲动性消费为代表的非理性消费问题。采用网络贷款使用量表、冲动性消费行为量表、金钱态度量表,实证研究了网络贷款使用对当代大学生冲动性消费行为的影响。结果表明,网络贷款使用同大学生冲动性消费行为呈显著正相关;大学生冲动性消费行为受到个体金钱态度的影响;网络贷款使用对冲动性消费行为的影响受到个人金钱态度中"权力-名望""忧虑"两个维度的调节作用。防范网络贷款滥用带来的社会风险需要疏堵结合、多元合作、创新思路。
Apart from promoting individual consumption,the rise of online loans has brought about irrational consumption problems represented by impulsive consumption.By employing the online loan usage scale,the impulsive consumption behavior scale,and the money attitude scale,the paper studied empirically the impact of online loan use on contemporary college students'impulsive consumption behavior.The conclusion shows that the use of online loans is significantly positively correlated with the impulsive consumption behavior of college students.The impulsive consumption behavior of college students is affected by the individual money attitude.The impact of online loan use on impulsive consumer behavior is regulated by two dimensions of"power-fame"and"anxiety"in the individual money attitude.Preventing the social risks brought about by the abuse of online loans requires the combination of guidance with confinement,diversified cooperation and innovative ideas.
Apart from promoting individual consumption,the rise of online loans has brought about irrational consumption problems represented by impulsive consumption.By employing the online loan usage scale,the impulsive consumption behavior scale,and the money attitude scale,the paper studied empirically the impact of online loan use on contemporary college students'impulsive consumption behavior.The conclusion shows that the use of online loans is significantly positively correlated with the impulsive consumption behavior of college students.The impulsive consumption behavior of college students is affected by the individual money attitude.The impact of online loan use on impulsive consumer behavior is regulated by two dimensions of"power-fame"and"anxiety"in the individual money attitude.Preventing the social risks brought about by the abuse of online loans requires the combination of guidance with confinement,diversified cooperation and innovative ideas.
引文
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[2]ROOK D W,FISHER R J.Normative influences on impulsive buying behavior[J].Journal of Consumer Research,1995,22(3):306.
[3]牛琛,刘金平.冲动特性与金钱态度对冲动性购买行为的影响[J].心理研究,2015,8(4):61.
[4]YAMAUCHI K,TEMLER D.The development of a money attitudes scale[J].Journal of Personality Assessment,1982,46(5):523.
[5]HIRSCHMAN E C.Innovativeness,novelty seeking and consumer creativity[J].Journal of Consumer Research,1980,7(3):285-290.
[6]宁薛平,薛峰.我国信用卡非理性消费行为的经济学解释[J].甘肃社会科学,2009(3):230.
[7]于建原,谢丹.信用卡使用对中国大学生冲动性购买行为影响研究[J].金融理论与实践,2007(3):39.
[8]YOUN S,FABER R J.The dimensional structure of consumer buying impulsivity:measurement and validation[J].Advances in Consumer Research,2002,29(1):280.
[9]BAKER P M,HAGEDORN R B.Attitudes to money in a random sample of adults:factor analysis of the MAS and MBBS scale,and correlations with demographic variables[J].Journal of Socio-Economics,2008,37(5):1805-1808.
[10]HAYHOE C R,LEACH L,TURNER P R.Discriminating the number of credit cards held by college students using credit and money attitudes[J].Journal of Economic Psychology,1999,20(6):645-653.
[11]李昊.物质主义对大学生幸福感的作用及其影响因素研究[D].广州:华南师范大学,2011:35.