本文選題：L大學(xué)大學(xué)生 + 互聯(lián)網(wǎng)金融產(chǎn)品��； 參考：《遼寧大學(xué)》2017年碩士論文

【摘要】：在世界經(jīng)濟(jì)發(fā)展迅速的背景下,互聯(lián)網(wǎng)信息技術(shù)創(chuàng)新不斷取得突破進(jìn)展,互聯(lián)網(wǎng)金融及其產(chǎn)品在中國(guó)發(fā)展勢(shì)不可擋,互聯(lián)網(wǎng)金融產(chǎn)品的出現(xiàn)使大學(xué)生們的生活方式和思維方式發(fā)生了翻天覆地的變化,給大學(xué)生帶來(lái)了機(jī)遇和挑戰(zhàn)。大學(xué)生群體是促進(jìn)經(jīng)濟(jì)發(fā)展的中堅(jiān)力量,原意嘗試并接受新穎事物,是互聯(lián)網(wǎng)金融市場(chǎng)的主要參與者,互聯(lián)網(wǎng)金融產(chǎn)品服務(wù)的重要目標(biāo)客戶(hù)群自然離不開(kāi)大學(xué)生群體。為了更好的學(xué)習(xí)研究互聯(lián)網(wǎng)金融產(chǎn)品在大學(xué)生中的使用狀況,本文以互聯(lián)網(wǎng)金融產(chǎn)品在L大學(xué)使用狀況調(diào)研為題,通過(guò)問(wèn)卷調(diào)查分析L大學(xué)生在校大學(xué)生使用互聯(lián)網(wǎng)金融產(chǎn)品的狀況,分析存在的問(wèn)題及其原因,提出合理的建議,希望促進(jìn)互聯(lián)網(wǎng)金融市場(chǎng)健康發(fā)展。本文著重通過(guò)調(diào)研問(wèn)卷分析大學(xué)生使用互聯(lián)網(wǎng)金融產(chǎn)品的狀況,分析其中存在的問(wèn)題,找出存在問(wèn)題的原因,進(jìn)而提出合理建議。本文主要包括五個(gè)章節(jié):第一章為緒論部分,主要闡述文章選題的背景和選題意義,介紹調(diào)研的主要內(nèi)容和文章框架結(jié)構(gòu),說(shuō)明本文的一些研究方法,描述本文的創(chuàng)新之處和存在的缺點(diǎn)。第二章為產(chǎn)品介紹,主要介紹主要的幾種互聯(lián)網(wǎng)金融產(chǎn)品,包括支付寶、微信支付、京東白條等產(chǎn)品,介紹產(chǎn)品的特點(diǎn)和發(fā)展?fàn)顩r。第三章為調(diào)研過(guò)程分析,主要根據(jù)調(diào)查問(wèn)卷闡述互聯(lián)網(wǎng)金融產(chǎn)品在L大學(xué)使用狀況的調(diào)研過(guò)程。主要描述了調(diào)查問(wèn)卷設(shè)計(jì)和數(shù)據(jù)選取情況,調(diào)查問(wèn)卷發(fā)放和回收情況,調(diào)查問(wèn)卷整理和數(shù)據(jù)分析情況,然后從性別、年級(jí)和專(zhuān)業(yè)等方面介紹大學(xué)生使用支付寶、微信支付和京東白條的狀況。第四章為問(wèn)題及其原因分析,根據(jù)調(diào)研數(shù)據(jù)分析得出L大學(xué)大學(xué)生在互聯(lián)網(wǎng)金融產(chǎn)品使用過(guò)程中存在的問(wèn)題及其原因,既有存在的共性問(wèn)題,也有L大學(xué)固有的特點(diǎn)。存在的主要問(wèn)題有,對(duì)互聯(lián)網(wǎng)金融了解程度不高;互聯(lián)網(wǎng)金融產(chǎn)品安全性不足;大學(xué)生使用互聯(lián)網(wǎng)金融產(chǎn)品缺乏理性;用戶(hù)門(mén)檻過(guò)低導(dǎo)致信用違約風(fēng)險(xiǎn)過(guò)大。然后從國(guó)家、企業(yè)、高校和個(gè)人四個(gè)方面分析了存在上述問(wèn)題的原因。第五章為建議分析,針對(duì)互聯(lián)網(wǎng)金融產(chǎn)品使用過(guò)程中存在的問(wèn)題,通過(guò)整理問(wèn)卷和分析數(shù)據(jù),從國(guó)家、互聯(lián)網(wǎng)金融企業(yè)、高校以及大學(xué)生自身四個(gè)方面提出促進(jìn)互聯(lián)網(wǎng)金融產(chǎn)品健康發(fā)展的對(duì)策和建議,希望推動(dòng)互聯(lián)網(wǎng)金融市場(chǎng)健康發(fā)展。
[Abstract]:With the rapid development of the world economy, Internet information technology innovation has made continuous breakthrough and progress, and Internet finance and its products are developing irresistibly in China. The appearance of Internet financial products has changed the way of life and thinking of college students and brought opportunities and challenges to college students. College students are the backbone of promoting economic development. They try and accept new things. They are the main participants in the Internet financial market. The important target customers of Internet financial products and services are naturally inseparable from the college students. In order to better study the use of Internet financial products in college students, this paper focuses on the use of Internet financial products in L universities. Based on the questionnaire survey, this paper analyzes the situation of L college students using Internet financial products, analyzes the existing problems and their causes, and puts forward some reasonable suggestions in order to promote the healthy development of Internet financial market. This paper focuses on the analysis of college students' use of Internet financial products through questionnaires, analyzes the existing problems, finds out the causes of the problems, and puts forward some reasonable suggestions. This paper mainly includes five chapters: the first chapter is the introduction part, which mainly describes the background and significance of the selected topic, introduces the main content of the research and the structure of the article, explains some research methods in this paper. This paper describes the innovations and shortcomings. The second chapter is the product introduction, mainly introduces several kinds of Internet financial products, including Alipay, WeChat Pay, JingDong white bar and so on, introduces the product characteristic and the development situation. The third chapter is the analysis of the research process, mainly based on the questionnaire to explain the use of Internet financial products in L University. It mainly describes the questionnaire design and data selection, the distribution and recovery of the questionnaire, the questionnaire collation and data analysis, and then introduces the use of Alipay by college students from the aspects of gender, grade and specialty, etc. The condition of WeChat Pay and JingDong white stripes. The fourth chapter is the problem and the reason analysis, according to the investigation data analysis, obtains the L university student in the Internet financial product use process the question and the reason, both exists the common question, also has the L university inherent characteristic. The main problems are that the level of understanding of Internet finance is not high; the security of Internet financial products is insufficient; college students use Internet financial products lack of rationality; too low user threshold leads to excessive risk of credit default. Then it analyzes the reasons of these problems from four aspects: state, enterprise, university and individual. The fifth chapter is the suggestion analysis, aiming at the problems existing in the process of using the Internet financial products, through sorting out the questionnaire and analyzing the data, from the state, the Internet financial enterprises, Colleges and universities and college students themselves put forward countermeasures and suggestions to promote the healthy development of Internet financial products, hoping to promote the healthy development of Internet financial markets.
【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(lèi)號(hào)】：F832.2;F724.6

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