Research on the impact of Internet consumer credit on the consumption behavior of college students – to Take Ant Credit Pay as an example

Internet consumer credit products, such as Ant Credit Pay, have become an important tool for college students to consume, and their impact has attracted wide attention. This article aims to discuss Ant Credit Pay ‘s specific impact of college students’ consumption behavior includes the promotion of advanced consumption, challenges to financial management, and potential credit risks. Through literature review, questionnaire survey and empirical analysis, this article reveals that Ant Credit Pay’s profound changes in the consumption pattern of college students, and put forward corresponding policy suggestions. The study found that Internet consumer credit not only improves the frequency and amount of consumption of college students, but also brings high financial management difficulty and credit risk. To this end, this article recommends helping college students better manage their personal finances and reduce the negative impact of improper use of credit products by improving the level of financial education, optimizing credit management strategies and policy interventions.