生命周期、消费者态度与信用卡使用频率  

Life-cycle,Consumer Attitude and Credit Card Use Frequency

作　　者：黄卉 沈红波[3] 

机构地区：[1]中国农业银行博士后科研工作站 [2]清华大学博士后流动站 [3]复旦大学金融研究院

出　　处：《经济研究》2010年第S1期108-117,共10页Economic Research Journal

基　　金：教育部人文社会科学研究项目"信用卡市场中的信息不对称与消费者行为研究"(10YJC790212)资助

摘　　要：信用卡使用频率是指持卡人在一定时间内的用卡次数,是持卡人用卡积极性和活跃度的重要体现。本文首次采用商业银行信用卡中心的微观数据,从生命周期和消费者态度的角度分析了我国信用卡使用频率的影响因素。研究结果表明,我国持卡人的持卡消费具有显著的"生命周期效应",已婚有子女的持卡人的使用频率低于其他持卡人。同时,持卡人对信用卡本身所代表的身份地位的正面态度会显著提高信用卡的使用频率。此外,本文还发现持卡人的收入、职业和地域差异对信用卡的使用频率也有一定的影响。Credit card use frequency is the number of the card being used by the cardholder per unit time,which measures the activeness of the cardholder's behavior. Based on the empirical analysis on the determinants of the credit card use frequency in China from the perspectives of life-cycle and consumer attitudes,we found that: firstly,Life-cycle factors play an important role in cardholders' use pattern,cardholders who are married and have children are less active in credit card use. Secondly,the high-profile social status expressed by the credit card significantly increased the use frequency. In addition,cardholders' personal income,profession and living area also showed a significant effect on the use frequency.

关 键 词：生命周期 消费者态度 信用卡 使用频率 

分 类 号：F832.2[经济管理—金融学]