大學生信用卡循環信用使用行為影響因素與相關政策之研究

The Research of the Related Policies and the Factors which Affect College Students' Behavior on the Revolving Credit of Credit Cards

常如君(Ruth-Jean Chaung)

指導教授 ： 王仕茹

國立臺灣師範大學/教育學院/大眾傳播研究所/碩士(2003年)

摘要

本研究目的是以負債容忍度等心理因素變項與信用卡知識作為衡量大學生持卡人使用信用卡循環信用頻率之主要變數，試圖以此角度切入探討國內大學生使用信用卡循環信用行為，供政府作為未來研擬制定相關決策與編修法案的參考依據。
本研究結果發現，負債容忍度、信用態度、財務管理、信用卡張數、強迫性購買程度、每月固定開支與平均每月可支配金額比值、信用卡年利率知識、信用卡態度、家庭成員數以及財管相關課程的修習狀況等十大變項會影響大學生的循環信用使用程度。

關鍵字

信用卡 ； 循環信用 ； 大學生

並列摘要

The purpose of this research is to analyze the college students' behavior of executing revolving credit by using psychological factors, such as debt tolerance, and knowledge of credit card as the measurement of main variables of the revolving credit frequency. In addition, this research can serve as future reference for the government on acting and revising related policies and regulation.
According to the research results, ten factors are discovered to affect college students' behavior on executing the revolving credit of credit cards. These factors are the degree of debt tolerance, attitudes toward credit, knowledge of financial management, the number of the credit cards owned, the range of compulsory buying, the ratio of the fixed monthly expenditure and average disposable monthly income, the awareness of the interest rate of credit cards, attitudes toward credit cards、the number of family members, and the financial courses taken in college.

並列關鍵字

credit cards ； revolving credit ； college students

參考文獻

Bearden, William O., Netemeyer, Richard G. & Mobley, Mary F. (1999). Handbook of Marketing Scales. Newbury Park: Sage Publications.

Bei, Lien-Ti (1993). Determinants of Consumer Credit Card Repayment Patterns. The Proceedings of the American Council on Consumer Interests , 39, 147-154.

d’Astous, Alain (1990). An Inquiry into Compulsive Side of “Normal” Consumers. Journal of Consumer Policy, 13, 15-31.

d’Astous, Alain & Miquelon, Diane (1991). Hepling Consumers Choose a Credit Card. The Journal of Consumer Affairs, 25(2), 278-294.

Davies, Emma & Lea, Stephen E.G. (1995). Student attitudes to student debt. Journal of Economics Psychology, 16, 663-679.