The article uses virtual lending scenarios to study the influence of attribute frame effect on undergraduates’ loan decisions. The results show that undergraduates have attribute frame effects in the three major areas of electronic products, life entertainment, and learning and training. There is a significant difference between the positive frame and the negative frame; that is, they are more inclined to make loan decisions under the positive frame. According to the research results, the article designs a loan risk assessment model based on Kohonen neural network and conducts simulation experiments. The experimental results show that the model’ classification accuracy is 72.65%.

中文翻译：

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属性框架效应对大学生贷款决策的影响及大学生贷款行为风险评估模型研究

文章利用虚拟贷款场景研究属性框架效应对大学生贷款决策的影响。结果表明，大学生在电子产品、生活娱乐、学习培训三大领域均具有属性框架效应。正帧和负帧有显着差异；也就是说，他们更倾向于在积极框架下做出贷款决策。根据研究结果，本文设计了基于Kohonen神经网络的贷款风险评估模型并进行了仿真实验。实验结果表明，该模型的分类准确率为72.65%。