信用卡取现影响因素研究

发布时间：2017-12-28 04:00

本文关键词：信用卡取现影响因素研究　出处：《管理评论》2014年10期 　论文类型：期刊论文

更多相关文章： 信用卡取现 影响因素 Logistic回归

【摘要】：在中国信用卡市场,利息和年费已经不是信用卡的主要利润来源。若用信用卡透支取现,客户要付手续费及利息,并且无免息期,这为银行带来高额利润。究竟是哪些因素导致客户信用卡透支取现,受到银行业界的关注,然而,至今国内外学术界对该问题的研究成果甚少。本文采用我国某商业银行信用卡中心的微观数据,运用Logistic回归模型,从是否取现和平均取现金额两个方面,实证分析了信用卡取现的影响因素。研究结果表明,性别、收入、职业和婚姻状况是导致信用卡透支取现的主要影响因素。论文的具体结果是:男性相对于女性取现的可能性较高,社会经济地位高的持卡人更愿意使用信用卡取现,企业职工取现的可能性明显高于机关事业单位,而已婚人士取现的可能性较低。
[Abstract]:In China's credit card market, interest and annual fees are not the main source of profit for credit cards. If the credit card is overdrawn, the customer will pay the fee and interest, and there is no interest free period, which brings high profit to the bank. What are the factors that cause customer credit card overdraft to be paid attention by the banking industry? In this paper, we use the micro data of a commercial bank's Credit Card Center in China, and use the Logistic regression model to analyze the influencing factors of credit card withdrawals from two aspects: whether the cash withdrawal and the average cash withdrawal amount. The results show that gender, income, occupation and marital status are the main factors leading to the overdraft of credit card. The specific results of the paper are: men are more likely to withdraw from women than women. Socioeconomic status cardholders are more willing to use credit cards to withdraw cash. The possibility of employee withdrawals is significantly higher than that of government agencies, while married people are less likely to cash in.
【作者单位】：四川大学商学院;
【基金】：国家自然科学基金项目(71071101;71101100) 高等学校博士学科点专项科研基金(新教师类)(20120181120074) 四川大学前沿与交叉创新基金(skqy201352)
【分类号】：F832.2
【正文快照】： 引言很多人以为银行发行信用卡的主要利润来源是利息和年费,但在中国并不是这样。国内层出不穷的优惠方案让年费形同虚设,持卡人习惯按时还款又使银行收不到利息。建行的一份报告称,国内信用卡业务利息收入绝对额和占比都不高,平均比例仅为30%左右,大大低于美国银行业70%的比

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