信用卡对中国消费需求增长的贡献研究

发布时间：2017-12-31 23:26

本文关键词：信用卡对中国消费需求增长的贡献研究　出处：《上海外国语大学》2012年硕士论文　论文类型：学位论文

【摘要】：本文的写作主要是围绕信用卡对消费需求增长的关系而展开的。自2008年经济危机之后,作为拉动中国经济增长“三驾马车”之一的出口受到了严峻考验,而政府投资又存在着种种局限性。在该背景下,国内消费的自发性增长正逐渐成为中国未来经济增长的主要推动力。而具有消费信贷和电子支付双重职能的信用卡,将在一定程度上促进我国消费需求的增长,进而推动中国经济的持续发展。本文通过介绍信用卡的消费信贷和电子支付两大职能,引出中国信用卡业务的发展历程及发展现状。接着先从理论上阐述信用卡与消费的相关理论,再通过问卷调查的数据运用实证分析证明信用卡与中国消费需求增长的关系,得出如下结论：信用卡的使用成本对持卡消费影响不大；信用卡的持有量对消费能起到巨大的推动作用；持卡人的部分特征可以助推信用卡消费。最后从国家、银行及个人这三方面分别说明了国家要引导信用卡市场、银行要疏导信用卡产品,双管齐下才能让消费者真正主导信用卡消费,从而刺激中国消费需求的增长。本文依托信用卡与消费需求的相关理论,通过问卷调查获得的数据,运用数据分析与实证分析相结合的方法,为研究结论提供了数据支持和科学验证。本文在前人的研究基础之上,不仅完善了信用卡与消费需求增长的理论内容,也使得模型更加具体化,论述更具有逻辑性。同时,本文还第一次从实证角度对信用卡与消费需求增长的关系进行了结构分析,并阐明了发展信厂用卡离不开国家的宏观调控、银行的全力配合和个人的合理使用。
[Abstract]:Since 2008, after the economic crisis, the export, as one of the "troika" to stimulate China's economic growth, has been severely tested. But the government investment also has the various limitation. Under this background. The spontaneous growth of domestic consumption is gradually becoming the main driving force of China's future economic growth, and the credit card with the dual functions of consumer credit and electronic payment will to some extent promote the growth of consumer demand in China. Then promote the sustainable development of Chinese economy. This paper introduces the two functions of credit card consumer credit and electronic payment, leads to the development process and current situation of credit card business in China. Through the empirical analysis of the data of questionnaire survey, the paper proves the relationship between the credit card and the growth of consumer demand in China, and draws the following conclusions: the cost of using credit card has little effect on the consumption of holding card; Credit card holdings can play a huge role in promoting consumption; Some of the characteristics of the cardholder can help promote the consumption of credit card. Finally, from the country, banks and individuals, respectively, the country to guide the credit card market, banks to channel credit card products. Two-pronged approach allows consumers to truly dominate credit card spending, thus stimulating the growth of consumer demand in China. This paper relies on the theory of credit card and consumer demand, through the data obtained by questionnaire, using the method of combining data analysis and empirical analysis. This paper not only improves the theoretical content of credit card and consumer demand growth, but also makes the model more concrete. At the same time, this paper analyzes the relationship between credit card and consumer demand growth for the first time from the empirical point of view, and clarifies that the development of credit card can not be separated from the macro-control of the state. The full cooperation of the bank and the rational use of the individual.
【学位授予单位】：上海外国语大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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