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| 大学生使用信用卡消费行为实证分析 摘要：信用卡以其先进的结算手段、支付工具在中国日益受到人们的青睐，越来越多的消费者加入了信用卡一族。大学生作为未来消费的主力，也将是信用卡的主要使用者。本文以问卷调查形式进行实证研究，基于时间与成本限制的考虑，主要采用便利抽样，面向江宁大学城的大学生发放问卷。本研究的主要目的是研究银行和发卡机构的潜力客户群体大学生的信用卡使用行为及其主要的影响因素，同时引发出大学生自身、家庭、社会各方面应该有的态度与措施。最后论述研究该课题是为了大学生能够合理的使用信用卡，拥有一个健康而又丰富多彩的大学生活。 关键词： 信用卡 大学生 消费 实证 Abstract: As an advanced billing means and payments tool, credit cards become popular in China, more and more consumers join the credit cards group. University students as the main force of future consumption will also be the main users of credit cards. The empirical research is carried out by the form of questionnaires. Due to the consideration of time and cost, the researches face to the simple sample, for the students of University City JiangNing questionnaires. The main purpose of this study is to examine the potential for banks and card issuers’ credit card customer base behavior of college students and its main influencing factors. Also raises students themselves, family, social aspects and measures should be the attitude. Finally, to study the subject of discussion is reasonable for students to use credit cards, have a healthy and colorful college life. Keywords: Credit Card; University Student; Consume; Demonstration |
