大學生理財認知與校園貸款行為之關聯性

The Relationship between Financial Literacy and Campus Loan Behavior of College Students

近年來，中國陸續傳出高校學生因校園貸款問題而陷入生命危險，也有集體學生認為網路貸款平台是不合法所以故意借而不還，這些偏差理財認知形成的貸款行為，引起廣大高校的注意與重視。本文透過問卷調查了解某一大學城五校大學生的理財認知與校園貸款狀況，得出（1）關於校園貸款行為，普遍忽略傳統電商與選擇原因是利率低，顯示大學生對借貸陷阱理解不夠；（2）本文在理財認知量表得出兩個指標，分別為信用管理與風險管理，其中，信用管理值越高代表使用校園貸款的傾向越高和風險管理值越高代表風險趨避性越高；（3）性別、校園貸款行為、年級對信用管理與風險管理都有顯著影響；（4）沒有校園貸款者的信用管理與風險管理平均值都高於有校園貸款行為者；（5）從Logistic迴歸分析發現打工、修財務課程與信用管理對校園貸款行為產生正面影響，而年級是呈現負面影響。

This paper used factor analysis and a logistics regression model to study the relationship between financial literacy and campus loan behavior. Research findings indicate that: (1) In the behavior of campus loans, college students generally ignore traditional e-commerce and they think that it has low-interest rates, which shows that they lack knowledge of the loan trap; (2) The financial literacy scale has two indicators, namely credit management and risk management. The higher the credit management value, the higher the tendency to use campus loans, and the higher the risk management value, the higher the risk aversion; (3) Gender, campus loan behavior, and grade all have a significant impact on credit management and risk management; (4) The average credit management and risk management of those without campus loan behavior are higher than those with campus loan behavior; (5) From the logistic regression analysis, we found that part-time, financial courses, and credit management have a significantly positive impact on campus loan behavior, but the grade shows a significantly negative impact.