基于问卷调查的大学生信用卡风险影响因素研究

发布时间：2018-10-05 12:37

【摘要】：本文针对大学生信用卡存在的风险问题,通过调查湖南省大学生信用卡市场的现状,分析了其特点与规律,建立了相应的风险评价模型,进而对大学生信用卡风险影响因素进行了研究,并给出了完善大学生信用卡风险管理相应的对策建议。调查涉及了大学生信用卡的办卡动机、使用情况、持卡数量、信用记录等情况,分析了大学生的收入来源、消费结构、透支频率、月平均收入、还款情况、违约情况等重要信息。结果发现当前大学生办理信用卡的人数以及人均持卡量都呈现不断增长的趋势,但由于大学生的消费与收入等的特点,在使用信用卡产生透支额度时可能存在无力偿付的隐患。加之当前大学生信用卡的申请门槛较低,而银行的个人信用体系却远未完善,因此,银行在大学生信用卡业务上承受着较大的风险。针对大学生信用卡市场存在的风险问题,运用调查数据进行统计分析,利用Logstic模型对大学生信用卡风险进行评价。结果发现,在大学生信用卡风险的主要影响因素中,影响程度由大到小依次为平均月收入、透支频率、持卡数量、学历、学校、性别。通过借鉴国外大学生信用卡风险管理的经验,结合我国的实际情况,对大学生信用卡风险管理提出如下建议：第一、规范大学生信用卡发卡程序；第二,加强对大学生的理财和信用教育；第三、建立风险信息共享机制；第四,完善风险内部控制机制；第五,加快EMV迁移进程。
[Abstract]:This paper aims at the risk problem of college students' credit card, through investigating the present situation of Hunan university student credit card market, analyzes its characteristic and law, and establishes the corresponding risk evaluation model. Furthermore, the influencing factors of college students' credit card risk are studied, and the corresponding countermeasures and suggestions are given to improve the management of college students' credit card risk. The investigation involves the motivation, usage, number of credit cards, credit records, etc., and analyzes the income source, consumption structure, overdraft frequency, average monthly income, repayment situation of college students. Breach of contract and other important information. The results show that the number of students handling credit cards and the amount of credit cards per capita are increasing, but due to the characteristics of college students' consumption and income, there may be hidden trouble of being unable to pay when they use the credit card. In addition, the application threshold of college students' credit card is low at present, but the personal credit system of the bank is far from perfect, therefore, the bank is bearing the bigger risk in the university student credit card business. In view of the risk problems in the credit card market of college students, this paper uses the survey data to carry on the statistical analysis, uses the Logstic model to carry on the appraisal to the university student credit card risk. The results show that the main influencing factors of credit card risk are average monthly income, overdraft frequency, number of cards, academic background, school and sex. Through drawing lessons from the experience of foreign university students' credit card risk management and combining the actual situation of our country, this paper puts forward the following suggestions for the university students' credit card risk management: first, standardizing the credit card issuing procedures of college students; second, Strengthen the financial management and credit education for college students; third, establish risk information sharing mechanism; fourth, improve the risk internal control mechanism; fifth, accelerate the process of EMV migration.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F224

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