信用态度世代变迁的实证研究  

The Inter-generational Transmutation of Attitude to Credit

作　　者：陈岩[1] 宋红敏[2] 

机构地区：[1]北京联合大学管理学院,北京100191 [2]北京联合大学应用文理学院,北京100191

出　　处：《科学．经济．社会》2013年第2期92-97,共6页Science Economy Society

基　　金：中国博士后科学基金面上资助项目(20110490641);北京学研究基地资助项目

摘　　要：发展消费信贷的正确思路是提升有信用能力消费者的信用消费意愿,一般认为信用消费意愿主要取决于信用态度,信用态度又会受到消费者所处的亚文化群体的影响。本文以年龄作为亚文化群体划分依据,在问卷调查的基础上对消费者信用态度进行世代比较研究。研究结果显示不同世代的信用态度和消费信贷行为有显著差异,从整体趋势上看,年轻人有更为积极的信用消费态度和更多的消费信贷行为。但是,世代与信用态度之间的关系并不是简单的线性关系,这说明除了年龄外,还有其他因素在影响信用态度的变迁。The smart choice of the development of consumer credit is to enhance the intention to borrow for consumption of consumers with credit capacity. It has been confirmed that attitude to credit play an important role to the intention to borrow, and the consumers＇ subcultures may influence attitude to credit. In this research, consumers are divided into six generations, and questionnaires are issued. The results showed that there are obvious differences in attitude to credit and consumer credit behaviors between generations. On the whole, the younger consumers are more likely to borrow for consumption. But there is no simple linear relationship among generations and attitude to credit. This study indicates that the influence of other determinants on attitude to credit cannot be ruled out.

关 键 词：信用态度 消费信贷 世代 变迁 

分 类 号：F403[经济管理—产业经济]