Consumption Characteristics of College Students' Internet Financial Products in the Post Epidemic Era

Abstract

The international pattern, world order and global economic and trade pattern in the post epidemic era will undergo significant changes. Under the new development pattern of "double circulation", Internet and financial services are developing rapidly, and consumer finance will play an active role in promoting consumption and expanding domestic demand. For college students, they have advanced consumption awareness and weakened currency concept, but there are also many problems: the corresponding risk prevention education of college students has not been followed up in time, and the credit risk control of college students by consumer finance platform institutions is not perfect. For this, this paper takes Chongqing college students as the survey object, through descriptive analysis, variance analysis, regression analysis, and joint analysis, Cluster to explore the characteristics of college students' consumer financial products; Then the UTAUT model is established to analyze the influencing factors on consumption. The model is effective and provides reasonable suggestions for relevant enterprises.