| 中国信用卡非理性消费行为的影响因素分析 |
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| 引用本文： | 饶卫,杨蓬勃.中国信用卡非理性消费行为的影响因素分析[J].统计与信息论坛,2011(9):99-103. |
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| 作者姓名： | 饶卫 杨蓬勃 |
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| 作者单位： | 西安交通大学经济与金融学院;西安电子科技大学经济管理学院; |
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| 基金项目： | 中央高校基本科研业务费专项资金《我国信用卡非理性消费行为研究》(K50510060007) |
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| 摘 要： | 通过对信用卡非理性消费行为相关文献的回顾,提出相关假设;运用多元回归方法,实证分析影响中国信用卡非理性消费行为的影响因素,即心理账户、金钱态度、消费价值观、外部影响和认知偏差;根据分析结果提出减少信用卡过度非理性消费行为的相关措施。
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| 关 键 词： | 信用卡 非理性消费 影响因素 |
Research on the Impact Factors of the Credit Card Irrational Consumption Behavior |
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| RAO Wei,YANG Peng-bo.Research on the Impact Factors of the Credit Card Irrational Consumption Behavior[J].Statistics & Information Tribune,2011(9):99-103. |
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| Authors: | RAO Wei YANG Peng-bo |
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| Institution: | RAO Wei1,YANG Peng-bo2(1.School of Economics and Finance,Xi'an Jiaotong University,Xi'an 710061,China,2.School of Economics and Management,Xidian University,Xi'an 710071,China) |
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| Abstract: | Firstly,this paper identifies the impact factors of the credit card irrational consumption by analyzing the relevant literature and theory.Secondly,this paper analyses the factors of the credit card irrational consumption by multiple regression analysis,which includes the money attitudes,mental accounts,consumer values,the impact of other people,banks and merchants promotional acts,bank's restriction and cardholder's cognitive bias and so on.Lastly,this paper puts forward some relevant recommendations to re... |
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| Keywords: | credit card irrational consumption impact factors |
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