1, individual characteristic factor

Gender differences between boys and girls can only affect their consumption preferences. The prosperity of the city where college students were born and the monthly living expenses can only affect their consumption level, but not their advanced consumption behavior. This shows that whether college students choose to spend in advance has nothing to do with their gender, grade, place of growth and monthly living expenses.

2. The security of the lending platform

The security of the lending platform has a great influence on the behavior of guiding consumption. Compared with the platform guarantee of ant flower garden, its amount is within the acceptable range of students and no interest is needed.

For the advantage of direct payment, it is the first choice platform for college students to spend in advance. For other lending platforms, the utilization rate of college students is extremely low, indicating that most college students have a high awareness of safety.

3. Consumption plan

College students have a certain plan for advanced consumption, which can better balance the debts brought by advanced consumption and their own income. However, there are also some impulsive factors, such as "chopping hands" when encountering discount promotions. Generally speaking, college students have a certain understanding and planning of their advanced consumption behavior.

The factors that affect college students' consumption in advance are mainly external factors, which can be divided into the following situations:

First, with the rapid development of e-commerce platform, more and more businesses participate in the competition, and constantly launch various promotional activities and various media advertisements to stimulate consumption. College students who are curious about all kinds of things can't stand being confused.

Second, after entering the university, the cost of interpersonal communication among students accounts for part of the living expenses, and the comparison and conformity between groups induce college students. Second, after digital payment became the norm, advanced consumption was mainly used for online consumption, and people became less sensitive to the concept of money, which led to changes in consumption behavior.