人格特质、道德判断与行为意图——基于信用卡消费者未偿信贷的研究  

Personality Traits,Ethical Judgments and Behavioral Intention——A Research on the Outstanding Credit of Credit Card Consumers

作　　者：陈道平[1] 苏力沙 CHEN Dao-ping;SU Li-sha(School of Economics and Management,Chongqing Normal University,Chongqing 401331,China)

机构地区：[1]重庆师范大学经济与管理学院,重庆401331

出　　处：《统计学报》2022年第1期78-92,共15页Journal of Statistics

基　　金：国家社会科学基金项目(18BJY093);重庆市社科规划项目(2020YBGL99)。

摘　　要：在理论分析的基础上构建了信用卡消费者人格特质、道德判断与未偿信贷行为意图相互关系的概念模型,并使用调查数据基于结构方程模型(SEM)进行了实证研究。研究发现:经济价值取向和马基雅维利主义人格特质对道德判断具有显著的正向影响;主动获利非法行为和被动获利行为的道德判断对未偿信贷行为意图有显著的正向影响,而主动获利问题行为和无害行为的道德判断对未偿信贷行为意图没有显著影响;主动获利非法行为和被动获利行为的道德判断在人格特质对未偿信贷行为意图的影响中具有中介作用。On the basis of theoretical analysis,the paper constructed the conceptual model of the relationship among personality traits,ethical judgment and the behavioral intention of outstanding credit,and further made an empirical research combined the survey data with structural equation model(SEM).The conclusions were as follows.Firstly,economic value orientation and Machiavellianism personality tendency had significant positive impact on ethical judgment.And secondly,the ethical judgement of illegal active benefiting and passive benefiting behaviour have had an obvious positive effect,while both problem behaviour and harmless behaviour of active profit haven’t played a role in the behavioral intention of outstanding credit.At last,the ethical judgement of illegal profiting behaviour and passive profit played a mediating role in the relationship between personality traits and the behavioral intention of outstanding credit.

关 键 词：人格特质 道德判断 行为意图 信用卡消费者 未偿信贷 

分 类 号：F832[经济管理—金融学]