中国消费者信用卡使用的影响因素分析

发布时间：2018-04-01 23:06

本文选题：信用卡　切入点：消费信贷　出处：《苏州大学学报(哲学社会科学版)》2017年02期

【摘要】：作为支付媒介,信用卡在西方发达国家已经逐渐取代现金成为人们生活中不可或缺的一部分,但信用卡的使用在中国遭遇了严峻的挑战,目前学术界针对这一问题展开的研究仍然十分匮乏;然而,研究中国消费者的信用心理对于确定未来消费型经济发展方向却具有非常重要的意义。为了弥补这一空缺,从消费者的个体特征(性别、年龄、受教育程度以及收入)出发,利用问卷调查的一手数据借助非参数KruskalWallis检验方法,深入分析了影响中国消费者使用信用卡的主要因素。研究结果显示:性别与个人收入对消费者使用信用卡的影响并不显著。相反,年龄则显著影响信用卡的使用;不同于西方发达国家的消费者,在中国,年龄大的消费者使用信用卡的积极性反而越高。受教育程度是影响消费者使用信用卡的另一个显著因素,并且学历越高,使用信用卡的积极性越高。另外,家庭收入也显著影响信用卡的使用,家庭收入与信用卡使用态度之间呈现显著的负向联系,但是与以往研究结论不同的是,平均月收入高的家庭因购买力强,反而不会借助信用卡实现购买目标。相反,平均月收入低的家庭消费时,借助消费借贷,缓解当前资金压力的情况却非常普遍。
[Abstract]:As a payment medium, credit cards have gradually replaced cash as an indispensable part of people's lives in western developed countries, but the use of credit cards has encountered severe challenges in China. However, the research on the credit psychology of Chinese consumers is of great significance in determining the direction of the future consumer economy. Based on the individual characteristics of consumers (sex, age, education level and income), non-parametric KruskalWallis test was used to test the primary data of the questionnaire. The main factors influencing the use of credit cards by Chinese consumers are analyzed in depth. The results show that gender and personal income have no significant influence on the use of credit cards. On the contrary, age has a significant impact on the use of credit cards. Unlike consumers in developed Western countries, in China, older consumers are more motivated to use credit cards. Education is another significant factor that affects consumers' use of credit cards, and the higher their academic qualifications, In addition, household income also significantly affects the use of credit cards. There is a significant negative correlation between household income and credit card use attitudes, but different from previous studies, Households with high average monthly incomes do not use credit cards to meet their purchase targets because of their purchasing power. Instead, it is common for households with low monthly incomes to use consumer borrowing to ease current capital pressures.
【作者单位】：对外经济贸易大学国际经济贸易学院;
【基金】：对外经济贸易大学科研创新项目“近年来国际贸易与投资领域新规则研究”(项目编号:201401)的阶段性成果
【分类号】：F832.2

【相似文献】