Abstract
Campus loans have become a part of the lives of Chinese college students. While such loans are convenient for students, they can also create considerable difficulties. In the context of unbalanced economic development between Western and Eastern China, this study aimed to understand the factors affecting the campus loan behaviors of college students in Western China. A sample of 568 undergraduate and graduate students from four universities in Western China was taken as the research object. Binary logistic regression and orderly logistic regression were used to study campus loan consumption factors. Students without state-subsidized loans were found to have stronger campus loan consumption intention and higher loan amounts, and recreational consumption was the main loan purpose. The factors affecting campus loan consumption included students’ family structure, parents’ education level, peer students’ consumption status, grade level, relationship status, and ability to assess loan risk. Based on the findings, suggestions are made for managing campus loan behavior from the perspectives of the individual, family, school, and government. This study can provide guidance for standardizing campus loans and adjusting college students’ consumption attitudes and behaviors.
Highlights
In China, the campus loan is a special type of credit provided to college students by lending institutions to cover students’ studies, living expenses, and other financial needs
While many studies have investigated the factors affecting college students’ online loan behaviors, this study focused on students in Western China
Child had a significant negative effect on campus loan consumption intention. It passed the significance tests of six models, with regression coefficients of −0.462 (p < .1), −0.526 (p < .05), −0.539 (p < .05), −0.605 (p < .05), −0.670 (p < .05), and −0.650 (p < .05). This indicates that the campus loan consumption intention of students from singlechild families is lower
Summary
In China, the campus loan ( known as an online loan for college students) is a special type of credit provided to college students by lending institutions to cover students’ studies, living expenses, and other financial needs. The student loans outside of China have mainly used to examine tuition assistance for students from low-income families. This is fundamentally different from the type of “consumer loan” discussed in this study. State-subsidized student loans are loans from Chinese banks intended to assist college students from poor families. These loans are led by the government and are jointly operated by banks, educational administrative departments, and colleges and universities. State-subsidized student loans began in 1986 in China with small loans administered by colleges and universities, which were required to be paid off before graduation (Shen & Li, 2003). What is your desired repayment time set? The month One year later
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