有限理性与信用卡消费:一个一般性讨论  

The Limited Rationality and Credit Card Consumption:A General Discussion

作　　者：黄纯纯[1] 吴元珍 

机构地区：[1]中国农业大学经济管理学院,北京100191 [2]南京银行杭州分行,浙江杭州310006

出　　处：《教学与研究》2014年第5期69-76,共8页Teaching and Research

基　　金：北京社会科学基金项目"北京发展信用卡消费扩大消费需求研究"(项目号:12JGC074);中国农业大学科学研究基金项目(中央高校基本科研业务费专项资金资助)"基于信用卡视角的家庭消费金融研究"(项目号:2013XJ009)的阶段性成果

摘　　要：随着信用卡的推广应用,中国信用卡持卡人的违约情况有所增加。导致信用卡违约的因素不仅包括持卡人收入的波动,持卡人的有限理性行为可能是更重要的原因。研究者把有限理性带来的信用卡领域的影响概括为两种异象:一是信用卡利率向下粘性之谜;二是信用卡负债之谜。这两种代表性的异象可以通过行为经济学的视角得到合理的解释。With the popularization and application of credit card, the defaults of Chinese cardholder have increased. The reasons that led to the credit card defaults include not only the cardholders＇fluctuations in income, but also the limited rational behavior of cardholders, which might be more important. Researchers have summed up the impact of limited rationality upon credit card into two visions. One is the puzzle of downward stickiness of the credit card interest rates. The other is the puzzle of the credit card debt. These two representative visions can be rea- sonably explained from the perspective of behavioral economics.

关 键 词：信用卡 有限理性 行为经济学 

分 类 号：F832.24[经济管理—金融学]