2022
DOI: 10.54691/bcpbm.v29i.2171
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The Influence of Online Consumer Credit on College Students' Consumption Behavior

Abstract: There is nearly a universal consensus that fintech more so in terms of credit services is convenient, besides serving as an official credit service for learners in colleges. However, in the case of convenience, it also produced a series of social difficulties, resulting in unrestricted spending among college students following obtaining financial assistance from Ant Huabei to spend money. Irrationality eventually emerged, and some students' exorbitant expenditure resulted in exceeding the payback time restrict… Show more

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Cited by 2 publications
(2 citation statements)
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“…(3) The original coverage of "economically sensitive mode" is significantly higher than that of other modes, indicating that this mode has a strong explanatory effect on users' willingness to use. At the same time, users in this mode pay more attention to the practical economic benefits brought by the use of research-based learning [7].…”
Section: Discussionmentioning
confidence: 99%
“…(3) The original coverage of "economically sensitive mode" is significantly higher than that of other modes, indicating that this mode has a strong explanatory effect on users' willingness to use. At the same time, users in this mode pay more attention to the practical economic benefits brought by the use of research-based learning [7].…”
Section: Discussionmentioning
confidence: 99%
“…They will not consider whether they need it when consuming, but only because the product is fresh and curious. They can make themselves buy it in the group to gain the favor of others, and there will be more serious impulsive consumption [15]. Nowadays, college students' attitudes toward money exist in realistic consumption, comparative consumption, advanced consumption, impulsive consumption, emotionality, blindness, and conformity [16,17].…”
Section: Personal Factorsmentioning
confidence: 99%