金钱和信用态度影响信用卡透支的实证研究被引量：25

An Empirical Study of Credit Card Overdraft Behavior

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摘要本研究希望发现金钱信用态度的那些因素影响信用卡透支功能的使用。我们在对美国目前最流行的信用和金钱态度量表进行调整的基础上,对影响我国信用卡拥有者透支行为的信用和金钱态度因素进行了分析。通过logistic回归分析,我们发现14个因子中的4个因子对信用卡透支功能的使用有显著影响。这四个因子是:正面情感、保守和冲动消费,以及存款。最后,我们对研究结论和研究局限性进行了讨论,并提出了今后研究的建议。 The purpose of the paper is to study which factors of credit and money attitude have impact on credit card holder's overdraft behavior. Based on Hayhoe's (1999) scale and by using logistic regression we find out that among 14 factors only four factors have impact on credit card holder 's overdraft behavior. These four factors are positive affect, conservative, emotional consuming and deposit. Finally, the conclusion and limitation of this study, and further research are discussed.

作者江明华任晓炜

机构地区北京大学光华管理学院中国工商银行

出处《金融研究》 CSSCI 北大核心 2003年第11期26-35,共10页 Journal of Financial Research

关键词信用态度金钱态度信用卡透支因子分析 LOGISTIC回归 credit attitude, money attitude, overdraft, factor analysis,logistic regression

分类号 F830.4 [经济管理—金融学]

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