Research on the Impact of Internet Consumer Credit Products on College Students' Consumption Behavior: Take Huabei as an Example

DOI: https://doi.org/10.62517/jbdc.202301213

Author(s)

Haifei Liu*, Xiaoying Zeng, Yulian Liu

Affiliation(s)

School of Economics, Guangzhou College of Commerce, Guangzhou, Guangdong, China *Corresponding Author.

Abstract

With the continuous development of science and technology, my country's Internet financial market is developing rapidly, and products have shown a trend of diversified innovation. The Internet consumer’s credit products on the market mainly include Huabei (Consumer’s Credit Pay of Ant Financial), JD Baitiao (Consumer’s Credit Pay in JD), VIPshop (Consumer’s Credit Pay in VIPS). Because these credit payments are personalized and convenient, they are loved by the majority of students. This article adopts a survey method for questionnaires, which uses Guangzhou university students as the research object to investigate and analyze the use of Huabei. Based on the results of questionnaires, it is found that some college students have the phenomenon of lack of advanced consumption and awareness when using Huabei. Although college students can alleviate short-term insufficient short -term insufficient short-term funding when using HUABEI, many borrowing platforms have not yet perfected standardized standardized management systems. There is still a place in the starting stage. In order to ensure the property security of college students, the platform should improve the construction of relevant laws and regulations, put forward suggestions on the target of the problems of college students, so that college students can establish healthy and reasonable consumption habits, and promote the development of the Internet consumer credit market.

Keywords

Internet Consumer Credit; Consumer Behavior; College Student

References

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