互联网金融产品在L大学使用状况调研

发布时间：2018-06-12 00:39

本文选题：L大学大学生 + 互联网金融产品　；参考：《辽宁大学》2017年硕士论文

【摘要】：在世界经济发展迅速的背景下,互联网信息技术创新不断取得突破进展,互联网金融及其产品在中国发展势不可挡,互联网金融产品的出现使大学生们的生活方式和思维方式发生了翻天覆地的变化,给大学生带来了机遇和挑战。大学生群体是促进经济发展的中坚力量,原意尝试并接受新颖事物,是互联网金融市场的主要参与者,互联网金融产品服务的重要目标客户群自然离不开大学生群体。为了更好的学习研究互联网金融产品在大学生中的使用状况,本文以互联网金融产品在L大学使用状况调研为题,通过问卷调查分析L大学生在校大学生使用互联网金融产品的状况,分析存在的问题及其原因,提出合理的建议,希望促进互联网金融市场健康发展。本文着重通过调研问卷分析大学生使用互联网金融产品的状况,分析其中存在的问题,找出存在问题的原因,进而提出合理建议。本文主要包括五个章节:第一章为绪论部分,主要阐述文章选题的背景和选题意义,介绍调研的主要内容和文章框架结构,说明本文的一些研究方法,描述本文的创新之处和存在的缺点。第二章为产品介绍,主要介绍主要的几种互联网金融产品,包括支付宝、微信支付、京东白条等产品,介绍产品的特点和发展状况。第三章为调研过程分析,主要根据调查问卷阐述互联网金融产品在L大学使用状况的调研过程。主要描述了调查问卷设计和数据选取情况,调查问卷发放和回收情况,调查问卷整理和数据分析情况,然后从性别、年级和专业等方面介绍大学生使用支付宝、微信支付和京东白条的状况。第四章为问题及其原因分析,根据调研数据分析得出L大学大学生在互联网金融产品使用过程中存在的问题及其原因,既有存在的共性问题,也有L大学固有的特点。存在的主要问题有,对互联网金融了解程度不高;互联网金融产品安全性不足;大学生使用互联网金融产品缺乏理性;用户门槛过低导致信用违约风险过大。然后从国家、企业、高校和个人四个方面分析了存在上述问题的原因。第五章为建议分析,针对互联网金融产品使用过程中存在的问题,通过整理问卷和分析数据,从国家、互联网金融企业、高校以及大学生自身四个方面提出促进互联网金融产品健康发展的对策和建议,希望推动互联网金融市场健康发展。
[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.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F724.6

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