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

Table 2

The consumption status of undergraduates’ P2P lending.

Serial no.	Issue	Option percentage
1	While living expenses cannot satisfy expenses	Give up spending 34%	Borrow from friends and relatives 10.1%	Use consumption installment 41.5%	Use P2P lending 14.3%
2	Have you used P2P lending?	Yes 12.2%		No 87.8%
3	Reasons for selecting P2P lending	Convenient audit 17.6%	Low threshold 35.5%	Quick release of funds 38.9%	Flexible repayment 8%
4	Reasons that affect the choice	Online review 16.9%	Classmates and friends 53%		Interest 30.1%
5	Choose the amount of P2P lending	Less than 2000 18.2%	2000 to 3000 39.4%	3000 to 4000 32%	More than 4000 10.3%
6	Use of P2P lending funds	Temporary emergency 17%	Consumption and shopping 70.2%	Learning and training 5.2%	Entrepreneurship 7.6%