| 居民贷记卡消费影响因素的分析 |
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| 引用本文： | 刘荣茂,吴巧亚.居民贷记卡消费影响因素的分析[J].南京农业大学学报(社会科学版),2005,5(3):48-53. |
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| 作者姓名： | 刘荣茂 吴巧亚 |
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| 作者单位： | 南京农业大学,经济管理学院,江苏,南京,210095 |
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| 摘 要： | 目前居民持有贷记卡的比例较低,利用率不高。影响居民贷记卡消费需求主要因素是收入和文化程度,居民申请使用贷记卡的主要原因是贷记卡的方便快捷和可以透支的独特功能。提出了提高居民的收入水平和教育程度;加大贷记卡宣传推广力度;增强民众认识使用贷记卡的知识;改善用卡环境;开发完善个性特征的服务;减少贷记卡的手续费等建议。
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| 关 键 词： | 贷记卡 消费需求 影响因素 |
| 文章编号： | 1671-7465(2005)03-0048-6 |
| 修稿时间： | 2005年6月12日 |
The Factors of Influencing the Credit Card Consumption |
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| LIU Rong-mao,WU Qiao-ya.The Factors of Influencing the Credit Card Consumption[J].Journal of Nanjing Agricultural University(Social Science Edition),2005,5(3):48-53. |
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| Authors: | LIU Rong-mao WU Qiao-ya |
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| Abstract: | At present,residents who holding credit card is relatively few,the utilization ratio is not high.The main influencing factors of consumption demand of resident's credit card are income and schooling.The main reasons that residents apply to use the credit card are the convenient and swift and can be overdrawed of the credit card.Some suggestions were proposed:improving the income level and education degrce of residents;devoting more efforts to propogate and popularize the credit card;strengthening people's knowledge of using the credit card;improving the environment of using the card;developing and improving the characteristic service;reducing service change of the credit card. |
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| Keywords: | Credit card Consumer demand Influence factors |
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