Abstract
With the development of the Internet, college students suffer from network fraud in many layers, which has aroused widespread concern in the society. Based on the questionnaire survey data of the current situation of college students suffering from online fraud in financial and economic colleges, this paper uses structural equation model to analyze the relationship between social experience, prevention awareness and college students suffering from online fraud. The study found that: (1) social experience not only has a significant direct effect on college students suffering from online fraud, but also has an indirect impact on college students suffering from online fraud through the pursuit of economic independence. (2) Prevention awareness has no significant direct effect on college students suffering from online fraud. Personal information protection plays a complete intermediary role between prevention awareness and college students suffering from online fraud. Based on the research results, it is proposed to strengthen the ideological and political education of college students, improve the awareness of risk prevention, build a long-term mechanism and link the comprehensive management of departments to prevent college students from suffering from online fraud and promote the healthy growth of college students.
Highlights
(2) Prevention awareness has no significant direct effect on college students suffering from online fraud
Personal information protection plays a complete intermediary role between prevention awareness and college students suffering from online fraud
Intermediary Effect Test After the model passes the SEM matching test, in order to further study the relationship between social experience, prevention consciousness and college students suffering from online fraud, that is, to test hypothesis 1 and hypothesis 2, we need to test the intermediary effect of the model
Summary
With the rapid development of Internet technology, the era of creating wealth with massive information has come. College Students' lack of social experience, weak awareness of risk prevention and lack of risk prevention ability make them the main target of fraudsters. College students are the main users of the Internet, but their awareness of personal information protection is not strong, so they are more likely to become the target of fraudsters. College students often dare not seek help from relatives, friends and the police because of their self-esteem and shame. They choose to be silent and have psychology such as "suffering losses is a blessing" and "spending money to buy lessons" (Wang Fei, 2018) [12]. Using the relevant data obtained from the questionnaire and structural equation model, this paper makes a quantitative analysis on the influencing factors of the frequent occurrence of online fraud among college students of finance and economics, tests hypothesis 1 and hypothesis 2, and discusses how to reduce the occurrence of online fraud among college students of finance and economics and improve the ability of college students of finance and economics to prevent online fraud, put forward countermeasures and suggestions
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