摘要
信用卡是现代商业银行的金融工具,具有消费信贷的重要功能。本文采用某商业银行信用卡中心的微观数据,从生命周期、社会经济地位的角度实证分析了我国信用卡透支行为的影响因素。研究结果表明,我国持卡人的信用卡透支行为具有显著的生命周期特征,年轻的持卡人在信用卡透支的可能性和负债程度上都显著高于其他持卡人。同时,社会经济地位对信用卡透支行为也有显著影响,高收入和高职位者使用信用卡负债更加积极。此外,本文还发现婚姻子女状况以及信用卡账户帐龄和信用额度对持卡人的透支行为也有一定的影响。
The credit card is one of the modern commercial banks＇ financial instruments, which has the important function of consumer overdraft. Using micro data from the credit card center of a commercial bank in China, this article analyzed the influencing factors of the overdraft behavior of credit card from the perspective of life cycle and socio-economic status in the first time. The results showed that the life-cycle characteristics of cardholders had a significant effect on the overdraft behavior. Younger cardholders tended to have a remarkably higher possibility of overdraft behavior and more debts than the others. At the same time, the socio-economic status had a significant effect on the overdraft behavior. Citizens with higher salaries and higher positions utilized the credit card more actively. In addition, marriage, credit card＇ s duration and credit limits also had some impacts on the overdraft behavior of credit card.
出处
《统计研究》
CSSCI
北大核心
2013年第10期61-67,共7页
Statistical Research
基金
国家自然科学基金重点项目"中国城市居民家庭/消费者金融研究"(71232003)
教育部人文社会科学研究项目"信用卡市场中的信息不对称与消费者行为研究"(10YJC790212)资助
关键词
信用卡透支
生命周期
社会经济地位
Overdraft of Credit Card
Life-cycle
Socio-economic Status
