Investigation and Research on the Status Quo of Depression Stigma among Contemporary College Students

Wenfang, Lu; Huang, Xiaoyu; Sumei, Wu; Weichang, Li; Yu, Gui

doi:10.35534/pc.0408112

Cited by 1 publication

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“…Yuan Weiqiang and Yu Tao also concluded that there is an irrational problem of overspending by college students. They are not only induced by the consumer market but also influenced by external factors such as family [3]. This has the same conclusion as the two studies mentioned earlier.…”

Section: Overview Of Research On Overspendingsupporting

confidence: 84%

The Impact of Online Credit Lending Model on the Public's Overspending Decision

Chen,

Fan,

Huang

2023

AEMPS

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In recent years, with the rapid development of the Internet, the financial market pattern is also changing. And the way of consumption through the Internet is gradually becoming mainstream. In order to meet the needs of the majority of consumers, online credit products have emerged. The emergence of this new financial service is not only a change in the quality of life of the masses of society, but also a new challenge for the financial market. Therefore, this paper investigates its impact on consumers' over-consumption decisions. Through regression analysis, we conclude that there is a positive relationship between the online credit lending model and the public's overspending decision. And the higher the loan amount, the longer the repayment period, the lower the loan interest rate, and the more accessible the loan qualification, the higher the public's willingness to overspend. On the other hand, the degree of loan facilitation has no statistically significant effect on the degree of overspending. By establishing a model to analyze the degree of overspending, this study is conducive to the establishment of reasonable consumption habits by consumers. It can help the financial service industry understand customers' consumption tendencies, rationalize their programs and provide a reference for government agencies to formulate economic policies. And it can promote the successful development of the financial market.

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Section: Overview Of Research On Overspendingsupporting

confidence: 84%