中国信用卡市场持卡人透支行为研究

发布时间：2018-05-11 19:05

本文选题：信用卡透支 + 生命周期　；参考：《统计研究》2013年10期

【摘要】：信用卡是现代商业银行的金融工具,具有消费信贷的重要功能。本文采用某商业银行信用卡中心的微观数据,从生命周期、社会经济地位的角度实证分析了我国信用卡透支行为的影响因素。研究结果表明,我国持卡人的信用卡透支行为具有显著的生命周期特征,年轻的持卡人在信用卡透支的可能性和负债程度上都显著高于其他持卡人。同时,社会经济地位对信用卡透支行为也有显著影响,高收入和高职位者使用信用卡负债更加积极。此外,本文还发现婚姻子女状况以及信用卡账户帐龄和信用额度对持卡人的透支行为也有一定的影响。
[Abstract]:Credit card is the financial tool of modern commercial bank and has the important function of consumer credit. Based on the microcosmic data of credit card center of a commercial bank, this paper empirically analyzes the influencing factors of credit card overdraft behavior in China from the point of view of life cycle and social economic status. The results show that the credit card overdraft behavior of Chinese cardholders has significant life-cycle characteristics, and the young cardholders are significantly higher than other cardholders in the possibility of credit card overdraft and the degree of debt. At the same time, social and economic status also has a significant impact on credit card overdraft behavior, high income and high position of credit card debt is more active. In addition, it is also found that the marital status of children, credit card account age and credit line also have some influence on the card holder's overdraft behavior.
【作者单位】：复旦大学金融研究院;中国农业银行风险管理部;清华大学五道口金融学院;
【基金】：国家自然科学基金重点项目“中国城市居民家庭/消费者金融研究”(71232003) 教育部人文社会科学研究项目“信用卡市场中的信息不对称与消费者行为研究”(10YJC790212)资助
【分类号】：F832.2

【参考文献】