本文選題：大學(xué)生分期消費(fèi) + 分期購物平臺(tái)��； 參考：《遼寧大學(xué)》2017年碩士論文

【摘要】：隨著互聯(lián)網(wǎng)技術(shù)的創(chuàng)新與飛速發(fā)展,傳統(tǒng)消費(fèi)金融的形式與領(lǐng)域都發(fā)生著巨大的變革,由此,互聯(lián)網(wǎng)消費(fèi)金融市場(chǎng)應(yīng)運(yùn)而生并快速前進(jìn)。2016年,互聯(lián)網(wǎng)消費(fèi)金融市場(chǎng)整個(gè)的交易規(guī)模都十分可觀,比2015年的規(guī)模增長257%,而且今后也將不斷擴(kuò)大,預(yù)估計(jì),到2018年,整個(gè)交易規(guī)模會(huì)超過11000億�；ヂ�(lián)網(wǎng)消費(fèi)金融利用互聯(lián)網(wǎng)自身的優(yōu)勢(shì),不斷推陳出新,更新產(chǎn)品與服務(wù),豐富了不同人群對(duì)于金融產(chǎn)品的選擇。在2013年,第一家真正意義上的針對(duì)大學(xué)生的分期購物平臺(tái)誕生,大學(xué)生這一新生代群體,也紛紛愿意嘗試這種創(chuàng)新。同時(shí),由于大學(xué)生群體的特殊性,他們沒有穩(wěn)定的收入來源,并且日�；ㄤN較大,名目眾多,銀行因?yàn)楸O(jiān)管政策紛紛取消了大學(xué)生的信用卡服務(wù),大學(xué)生群體沒有有效的渠道來滿足消費(fèi)需求。而針對(duì)的大學(xué)生的分期購物平臺(tái)的出現(xiàn)恰到好處的為這個(gè)問題的解決提供了突破口。同時(shí)隨著高校擴(kuò)招,學(xué)生數(shù)量增加,這一市場(chǎng)的存在越來越凸顯出自身優(yōu)勢(shì)。但是在快速發(fā)展的同時(shí),這些平臺(tái)也暴露出了一部分的弊端。現(xiàn)在平臺(tái)之間的一些共同問題就是風(fēng)控體系不健全,分期費(fèi)率不明晰。本文的目的就是分析大學(xué)生互聯(lián)網(wǎng)分期消費(fèi)市場(chǎng)的發(fā)展現(xiàn)狀和發(fā)展方向以及不同平臺(tái)之間的高地優(yōu)劣的對(duì)比。并且了解我們大學(xué)生對(duì)于這一新興平臺(tái)的看法,使用情況以及針對(duì)目前平臺(tái)存在的問題與不足給予相應(yīng)的建議。本文以目前快速發(fā)展的互聯(lián)網(wǎng)金融入手,然后對(duì)我國大學(xué)生互聯(lián)網(wǎng)分期購物平臺(tái)的發(fā)展現(xiàn)狀,發(fā)展情況做出了介紹,介紹了平臺(tái)為大學(xué)生提供的主要產(chǎn)品與服務(wù),并且也詳細(xì)分析了這一行業(yè)快速發(fā)展的原因。同時(shí),在不同的平臺(tái)也分別衍生出幾種不同的分期產(chǎn)品,我們也根據(jù)產(chǎn)品的不同通過橫向縱向?qū)Σ煌a(chǎn)品進(jìn)行了對(duì)比分析,分析出不同產(chǎn)品的優(yōu)劣之處,以便于消費(fèi)者更直觀的進(jìn)行選擇。之后,筆者在線上線下針對(duì)沈陽市各大高校的大學(xué)生進(jìn)行了問卷調(diào)查以及實(shí)地訪談。在調(diào)查過后,對(duì)問卷進(jìn)行有效的回收,并且對(duì)回收的問卷進(jìn)行了細(xì)致的分析研究,總結(jié)了大學(xué)生對(duì)于大學(xué)生互聯(lián)網(wǎng)分期購物市場(chǎng)的態(tài)度與看法,大學(xué)生的消費(fèi)習(xí)慣,認(rèn)可程度,以及對(duì)其有什么看法。最后歸納大學(xué)生的觀點(diǎn)以及查閱各方面資料,最后給出了平臺(tái)改進(jìn)的相關(guān)建議�；ヂ�(lián)網(wǎng)消費(fèi)金融市場(chǎng)不僅僅要注意自己服務(wù)的提高,產(chǎn)品的創(chuàng)新,同時(shí)還要注意在大學(xué)生中樹立正確的消費(fèi)觀,使互聯(lián)網(wǎng)消費(fèi)金融更好地為大學(xué)生群體服務(wù),甚至也可以成為未來互聯(lián)網(wǎng)消費(fèi)市場(chǎng)的發(fā)展主力軍。
[Abstract]:With the innovation and rapid development of Internet technology, great changes have taken place in the form and field of traditional consumer finance. The Internet consumer financial market as a whole is trading on a sizable scale, up from 257m in 2015, and will continue to expand, with a forecast of more than 1.1 trillion by 2018. Internet consumer finance makes use of the advantages of the Internet, and constantly introduces the old and the new, updates the products and services, and enriches the choice of financial products for different people. In 2013, the first truly phased shopping platform for college students was born, and the new generation of college students was willing to try this innovation. At the same time, because of the particularity of the college students, they do not have a stable source of income, and their daily expenses are large and their names are numerous. Banks have cancelled the credit card service for college students one after another because of the regulatory policies. There is no effective channel for college students to meet consumption demand. And the appearance of stage shopping platform for college students provides a breakthrough for solving this problem. At the same time, with the expansion of college enrollment, the number of students increases, the existence of this market more and more highlights its own advantages. But in the rapid development, these platforms also exposed a part of the drawbacks. Now some common problems between the platform is that the wind control system is not perfect, installment rates are not clear. The purpose of this paper is to analyze the current situation and development direction of college students' internet phased consumption market and to compare the advantages and disadvantages of different platforms. And to understand our college students' views on this emerging platform, the use of the platform as well as the current problems and shortcomings to give corresponding suggestions. This paper starts with the rapid development of Internet finance, then introduces the current situation and development of the Internet shopping platform for college students in China, and introduces the main products and services provided by the platform for college students. And also detailed analysis of the reasons for the rapid development of this industry. At the same time, in different platforms also derived from several different stages of products, we also according to the different products through horizontal and vertical comparative analysis of different products, analysis of the advantages and disadvantages of different products, So that consumers can choose more intuitively. After that, the author conducted a questionnaire survey and field interview for the college students in Shenyang. After the investigation, the questionnaire is collected effectively, and the questionnaire is analyzed and studied in detail. The attitudes and views of college students towards the Internet shopping market, the consumption habits, and the degree of recognition of college students are summarized. And what do you think about it? Finally, the author summarizes the views of college students and looks up all kinds of information, and finally gives some suggestions for improving the platform. The Internet consumer financial market should not only pay attention to the improvement of its own service and the innovation of its products, but also pay attention to setting up a correct view of consumption among college students so that Internet consumer finance can better serve the group of college students. It can even become the main force in the development of the Internet consumer market in the future.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：G645.5;F832.2;F724.6

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本文編號(hào)：1962876