中国信用卡消费需求影响因素研究

发布时间：2018-04-14 03:14

本文选题：信用卡 + 需求　；参考：《华东师范大学》2014年硕士论文

【摘要】：信用卡消费是最近半个世纪才发展起来的一种新型支付方式,其本质是银行向客户代理支付并形成消费贷款的过程。自从信用卡诞生发展至今,其随着类人类生产生活的发展,信用卡的规模也越来越大,其逐渐成为银行零售消费信贷的一种重要的形式的同时,也逐渐成为消费者尤其是年轻消费者一种重要的支付方式,因此信用卡市场正成为经济生活中越来越重要的组成部分。中国的信用卡发展是在改革开放后逐渐才发展起来的,但是受限于收单环境、刷卡环境、信用环境、经济环境以及支付习惯等因素的影响,国内的信用卡规模和消费情况在较长的时间内其发展都相对缓慢,但在90年代至今的约20年的期间,整个国内信用卡相关的环境因素也逐渐完善起来,促进了信用卡市场呈现出蓬勃发展的景象,尤其是2000年至今,中国国内的商业银行纷纷加入到信用卡发卡行中,国内的信用卡市场,尤其是一线发达城市已经形成较大的规模。本论文基于对信用卡的支付结算功能和消费信贷两大功能的分析为基础,结合考察我国信用卡业务的发展状况,进而阐述信用卡消费需求的相关理论,再通过对国内某银行的客户抽样数据进行实证分析,可得出以下结论：可以寻找出分别与信用卡支付功能需求和消费信贷需求高度相关的持卡人属性特征,且其与客户生命周期消费需求高度吻合。最后,进一步解析在当前情况下,指出当前国内信用卡市场的不足,以及信用卡整体市场的发展特点以及未来持卡人的需求发展趋势。对国家经济、法规以及信用体系建设,银行内部管理与营销策略以及个人信用卡消费信贷等方面提出相应的建议。本文通过实际数据的论证,进一步完善了信用卡消费需求因素的理论内容。同时通过实证研究,阐明了信用卡发展与国家宏观政策建设,银行经营措施与个人实际需求的紧密关系。
[Abstract]:Credit card consumption is a new payment method developed in the last half century. Its essence is the process of bank paying to customers and forming consumer loans.Since the birth and development of credit card, with the development of human production and life, the scale of credit card has become more and more large, and it has gradually become an important form of retail consumer credit in banks, at the same time,The credit card market is becoming an increasingly important part of economic life.The development of credit cards in China has developed gradually since the reform and opening up, but it is limited by the influence of such factors as the receiving environment, credit environment, credit environment, economic environment and payment habits, etc.The scale and consumption of credit cards in China have been relatively slow in a long period of time. However, during the 20 years since the 1990s, the environmental factors related to credit cards in the whole country have been gradually improved.The credit card market has been booming, especially since 2000, China's domestic commercial banks have joined the credit card issuer, the domestic credit card market, especially the first-tier developed cities have formed a large scale.Based on the analysis of the two functions of credit card payment and settlement and consumer credit, this paper studies the development of credit card business in China, and then expounds the relevant theory of credit card consumption demand.Then through the empirical analysis of customer sampling data of a domestic bank, we can draw the following conclusions: we can find out the characteristics of cardholder attributes which are highly related to credit card payment function demand and consumer credit demand.And it and customer life cycle consumption demand is highly consistent.Finally, the paper points out the deficiency of the domestic credit card market, the development characteristics of the credit card market as a whole and the developing trend of the cardholder's demand in the future.Some suggestions are put forward on national economy, law and credit system construction, bank internal management and marketing strategy, personal credit card consumption credit and so on.Through the demonstration of actual data, this paper further consummates the theoretical content of credit card consumption demand factor.At the same time, through the empirical research, the paper expounds the close relationship between the development of credit card and the national macro policy construction, the bank management measures and the individual actual demand.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【共引文献】