个人传统性/现代性对信用负债的影响研究

被引：6

作者：

吕巍 ^{[1
]}

王丽丽 ^{[1
]}

江麟 ^{[2
]}

机构：

[1] 上海交通大学安泰经济与管理学院

[2] 北京铭略远迅管理咨询有限公司

来源：

管理世界 | 2009年 / 12期

关键词：

个人传统性/现代性; 金钱态度; 信用卡态度; 负债态度;

D O I：

10.19744/j.cnki.11-1235/f.2009.12.011

中图分类号：

F832.2 [银行制度与业务];

学科分类号：

摘要：

信用卡在为消费者带来便利消费的同时,也带来了很多社会问题,如信用负债。本研究从价值观入手,对上海市消费者的循环信用和小额分期付款使用行为进行了分析。研究结构表明,个人传统性和现代性对消费者的金钱态度、信用卡态度、负债态度具有不同的影响。同时,金钱态度、信用卡态度和负债态度的各个维度对消费者循环信用和小额分期付款使用的影响也具有显著的差异。而且研究表明,相比小额分期付款,消费者的循环信用使用频率会导致消费者拥有更高的信用负债的容忍度。最后,我们验证了态度变量(金钱态度、信用卡态度、负债态度)在个人传统性/现代性对信用负债的影响中其中介作用。

引用

页码：106 / 119

页数：14

共 13 条

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