The Relationship Framework by Which Internet-Based Consumer Credit Products relate to Young People’s Overconsumption Behavior

DOI

10.2991/978-94-6239-830-6_10How to use a DOI?

Keywords

Internet consumer credit; Young adults; Overconsumption behavior; Guiding relationship framework; Behavioral path

Abstract

With the rapid development of digital finance, internet consumer credit products have significantly influenced the consumption behavior of young adults. To explore their relationship with overconsumption behavior, this study constructs an analytical framework incorporating platform stimuli, psychological characteristics, and environmental factors. Based on survey data from 350 young consumers in five cities, key influencing factors and their interactions are identified. The results indicate that platform stimulation, present bias, materialism tendency, and social comparison motivation are closely associated with overconsumption behavior, while self-control plays a moderating role. The proposed framework provides a useful basis for overconsumption risk evaluation and responsible consumption guidance.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Zizhen Gao
PY  - 2026
DA  - 2026/11/14
TI  - The Relationship Framework by Which Internet-Based Consumer Credit Products relate to Young People’s Overconsumption Behavior
BT  - Proceedings of the 6th International Conference on Internet Finance and Digital Economy (ICIFDE 2026)
PB  - Atlantis Press
SP  - 115
EP  - 123
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-830-6_10
DO  - 10.2991/978-94-6239-830-6_10
ID  - Gao2026
ER  -