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摘要：分期消费符合当下流行的超前消费的消费观念，随着大学生对超前消费理念的日益认可，各大分期消费平台得以迅速发展，在短短的几年时间里，各大分期消费平台持续增加，基本覆盖全国各大高校。自分期消费平台入驻周师以来就发展迅速，分期消费理念以及分期消费的运营模式广为周师学生所知，很多周师学生在自己资金来源有限的情况下，为了提前获得心仪的商品纷纷选择了使用分期消费。而随着周师学生使用分期消费群体的持续增大，对周师校园内的消费环境以及周师学生购买行为产生了极大的影响。本文通过对周师学生月可支配资金、分期消费使用人数、影响周师学生消费的因素等情况的调查，分析得出周师学生愿意使用或者不愿意使用分期消费的原因以及在使用分期消费的过程中存在的问题，对存在的问题提出对策并引导周师学生深刻认识和合理使用分期消费。43456
毕业论文关键词：分期消费；周师学生；合理消费
The Research of The Impact of Consumption to Zhoukou Normal University Installments
Abstract: Consumption by installments represents a consumption pattern which called premature consumption , with the certificate to installments concept, major installment payment platform has developmented rapidly, within a few years, installment payment platform has grown to more than 30 companies, covering the major colleges and universities across the country. Since installment payment platform settled in Zhoukou Normal University ,it has been
developed rapidly, installments concept and the operation mode of Consumption by installments had been well known to Zhoukou Normal University students. Many students in the Zhoukou Normal University choose consumption by installments to get new goods in advance in the case of their source of funds is limited. With the increase of installment consumer groups, it has an affect on the consumption environment as well as buying behavior of the Zhoukou Normal University students. The article collected through disposable cash of Zhoukou Normal University students、the number of students who installmented、factors affecting consumption, through the survey, I made a brief analysis of the reason Zhoukou Normal University students willing or not willing to installment, and the problems in the process of consumption by installments, then brought forward some measures for the existing problems, guide Zhoukou Normal University students to deep understanding and rational use of consumption by installments.
Key words: Consumption by installments; Zhoukou Normal University students; Rational consumption
目 录
摘 要 1
Abstract 1
一、 分期消费与购买行为的内涵以及分期消费的发展现状 2
（一）分期消费的内涵 2
（二）消费者购买行为的内涵 2
（三）分期消费的发展现状 3
二、周师学生分期消费现状调查 3
（一）样本情况 3
（二）调查结果分析 4
三、周师学生在使用分期消费过程中存在的问题 9
（一）资金来源有限，还款能力较弱，容易产生违约行为 9
（二）对于分期消费了解片面，陷入高额服务费的风险 10
（三）使用分期消费分期购买商品容易助长周师学生之间的攀比之风