心理账户、金钱态度及消费价值观与信用卡非理性消费的关系研究

发布时间：2018-04-10 11:22

本文选题：心理账户 + 金钱态度　；参考：《上海师范大学》2015年硕士论文

【摘要】：在当今社会,由于物质与生活水平提高带来的消费观以及消费方式产生了重大的变化,其中消费领域的非理性消费已经引起人们的重视,值得一提的是对该领域作出巨大贡献的心理学家丹尼尔·卡尼曼和弗农·史密斯还曾获得诺贝尔经济学的大奖。近年来也有不少课题针对消费心理进行了深入研究,然而信用卡为消费者所带来的消费模式和消费体验也为消费者带来了诸多的问题,其中的一个重要问题就是信用卡非理性消费,如超额透支、成为卡奴、以卡养卡等都已悄然演变成为一种社会问题,然而放眼望去涉足信用卡非理性消费的相关文献还比较少,因此研究其信用卡非理性消费的影响因素并且合理的预防其非理性消费具有重要的现实意义。研究目的:调查信用卡的使用现状;揭示心理账户、金钱态度与消费价值观与信用卡非理性消费之间的内在关系;探讨心理账户、金钱态度与消费价值观三者之间又是否存在关系;考察人口学变量与信用卡非理性消费是否有关联,为消费者和银行商家都得出有价值的参考依据。研究方法:本研究以解决以上问题为目标,提出相关假设,通过金钱态度量表、消费价值观量表以及信用卡非理性消费量表首先收集了240份有效样本对问卷进行预测与修订,最后通过修订后的问卷再进行发放回收了483份有效样本,并采用SPSS 19.0和AMOS 7.0软件包对数据进行分析处理。文中主要涉及到的统计分析方法包括探索性因素分析、验证性因素分析、描述性分析、相关分析以及回归分析。研究结论:通过相关分析发现,心理账户与金钱态度正相关,相关系数为0.301;金钱态度与消费价值观正相关,相关系数为0.248。通过回归分析发现,心理账户、金钱态度和消费价值观都对信用卡非理性消费产生影响,并能共同预测信用卡非理性消费,其中心理账户的预测作用最强。详细来说,“收入”以及“支出”心理账户、金钱的“能力/声望”“担心”态度、消费价值观中的“体验性价值观”对信用卡非理性消费具有一定的预测作用;人口学变量中年龄对信用卡非理性消费有影响,年龄越大的消费者信用卡非理性消费越严重;性别对信用卡非理性消费无显著影响。
[Abstract]:In today's society, as a result of the improvement of material and living standards, there have been significant changes in consumption outlook and consumption style, in which irrational consumption in the field of consumption has attracted people's attention.It is worth mentioning that psychologists Daniel Caneman and Vernon Smith, who have made great contributions to the field, have also won the Nobel Prize in Economics.In recent years, there have been a lot of research on consumer psychology. However, the consumption pattern and experience brought about by credit card for consumers also bring many problems for consumers.One of the important problems is that the irrational consumption of credit cards, such as excessive overdraft, becoming card slaves and so on, has quietly evolved into a kind of social problem. However, there are relatively few related documents involved in the irrational consumption of credit cards.Therefore, it is of great practical significance to study the influencing factors of its credit card irrational consumption and to reasonably prevent its irrational consumption.The purpose of this study was to investigate the current situation of credit card use, to reveal the inner relationship between psychological account, money attitude, consumption values and irrational consumption of credit card, and to explore the psychological account.Whether there is a relationship between money attitude and consumption values, and whether the demographic variables are related to the irrational consumption of credit card, which is a valuable reference basis for both consumers and banks.Methods: in order to solve the above problems, this study put forward some hypotheses. First, 240 valid samples were collected to predict and revise the questionnaire through money attitude scale, consumption value scale and credit card irrational consumption scale.Finally, 483 valid samples were collected by the revised questionnaire, and the data were analyzed and processed by SPSS 19.0 and AMOS 7.0 software package.The statistical analysis methods involved in this paper include exploratory factor analysis, confirmatory factor analysis, descriptive analysis, correlation analysis and regression analysis.Conclusion: through correlation analysis, it is found that psychological account is positively correlated with money attitude, correlation coefficient is 0.301, and money attitude is positively correlated with consumption value, the correlation coefficient is 0.248.Through regression analysis, it is found that psychological accounts, monetary attitudes and consumption values all have an impact on the irrational consumption of credit cards, and can jointly predict the irrational consumption of credit cards, among which psychological accounts have the strongest predictive effect.In detail, the psychological account of "income" and "expenditure", the "ability / prestige" of money and the attitude of "worry", and the "experiential value" of consumption values have certain predictive effect on the irrational consumption of credit card;In demographic variables, age has an effect on credit card irrational consumption, and the older the age is, the more serious the irrational consumption of credit card is, while gender has no significant effect on credit card irrational consumption.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：B849

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