Research on Influence of Attribute Frame Effect on Loan Decision of Undergraduate and Risk Assessment Model of Undergraduate Loan Behavior

Table 1

Undergraduates’ perception of P2P lending consumption.

Serial no.	Issue	Option percentage
1	Knowledge of P2P lending process and business	Do not understand 9.0%	Do not know much 60.1%	Better understand 25.5%	Know well 5.5%
2	Understand the channels of P2P lending	Network platform 35.9%	Media advertising 28.2%	Classmates and friends 31.2%	Relatives 4.8%
3	Will the comprehensive cost of interest be measured before applying the P2P lending?	Yes 53%		No 47%
3	Whether P2P lending is safe or not	Yes 35.5%		No 64.5%
4	Attitude towards P2P lending	Convenient 47.8%	Low threshold 54%	High interest 72.1%	High risk 67.1%
5	Will you ask your family for help when you cannot make repayments on time?	Yes 21.9%		No 78.1%
6	How much do you know about personal credit reports?	Do not understand 32.5%	Do not know much 42.2%	Better understand 17.6%	Know well 7.7%