大学生无现金支付行为及其影响因素研究——基于山西师范大学本科生抽样调查
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摘要
为了解大学生无现金支付的行为,文章以山西师范大学本科生为研究对象,从无现金支付的使用状况、消费结构、支付方式、使用前景这四个方面进行了调查,分析大学生的无现金支付行为特点及其影响因素。结论表明,无现金支付已成为大学生主要的支付方式;大学生消费结构以餐饮为主,服饰鞋帽为辅;支付宝、微信成为大学生目前最主要的无现金支付方式;安全性的高低、对支付方式的了解程度、操作流程的简便性和交易商品的种类影响着不同性别、不同年级大学生支付方式的选择。
To understand the behavior of college students have no cash,taking Shanxi normal university undergraduate students as the research object,from the use conditions,the consumption structure,cash payment,the prospect of using this four aspects has carried on the investigation,analysis of college students' behavior characteristics and influencing factors of no cash. Conclusion shows that cash-free payment has become the main payment method for college students. The consumption structure of college students is mainly catering,supplemented by clothes,shoes and hats. Alipay and We Chat have become the main cashless payment methods for college students. The level of security,the level of understanding of payment methods,the convenience of operating procedures and the types of goods traded affect the choice of payment methods for college students of different genders and grades.
To understand the behavior of college students have no cash,taking Shanxi normal university undergraduate students as the research object,from the use conditions,the consumption structure,cash payment,the prospect of using this four aspects has carried on the investigation,analysis of college students' behavior characteristics and influencing factors of no cash. Conclusion shows that cash-free payment has become the main payment method for college students. The consumption structure of college students is mainly catering,supplemented by clothes,shoes and hats. Alipay and We Chat have become the main cashless payment methods for college students. The level of security,the level of understanding of payment methods,the convenience of operating procedures and the types of goods traded affect the choice of payment methods for college students of different genders and grades.
引文
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[2]王翔.无现金支付的红火与隐忧[J].中国报道,2017(1):46-47.
[3]聂昊旻.无现金支付现状研究和展望[J].现代经济信息,2017(4):328.
[4]洪涛.我国无现金交易的发展趋势[J].时代经贸,2017(22):40-43.
[5]屠爱国,曹慧鹏,石云丰.大学生网络消费行为计量分析[J].现代商贸工业,2014(10):169-171.
[6]刘洁,张灿.山西省居民消费水平情况研究[J].现代工业经济和信息化,2014,4(2):8-15.
[7]武庆庆.居民消费对山西经济影响研究[J].经济研究导刊,2018(1):80-82.
[8]山西省统计局.山西省2017年国民经济和社会发展统计公报[R]. 2018.
[9]吴琪.大学生消费状况的调查研究[J].山西财经大学学报(高等教育版),2009,12(1):13-18.
[10]高宏利.“90后”大学生消费观及教育路径[J].当代青年研究,2013(2):47-51.