دانلود مقاله ISI انگلیسی شماره 48396
عنوان فارسی مقاله

جمعیت شناسی، نگرش، شخصیت و ویژگی های کارت اعتباری با بدهی کارت اعتباری در ارتباط است: نمایی از چین

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
48396 2011 15 صفحه PDF سفارش دهید محاسبه نشده
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Journal of Economic Psychology, Volume 32, Issue 1, February 2011, Pages 179–193

کلمات کلیدی
رفتار بدهی کارت اعتباری - جمعیت شناسی - نگرش - شخصیت
پیش نمایش مقاله
پیش نمایش مقاله جمعیت شناسی، نگرش، شخصیت و ویژگی های کارت اعتباری با بدهی کارت اعتباری در ارتباط است: نمایی از چین

چکیده انگلیسی

With the help of a commercial bank in China, we studied consumer credit card debt behavior2 in correlation with demographics, attitude, personality, and credit card features factors. The study was conducted by using mail-in questionnaires, which were sent to credit card holders who was using or had used either revolving credit or petty installment plans. According to regression functions, we found that demographic variables and credit card features had limited explanatory power compared to attitude variables and personality variables. Specifically, we found that revolving credit use and petty installment use were closely related to attitudes about credit cards, money and debt. Risk attitude efficiently predicted petty installment use; however, it did not correlate with revolving credit use. Personality factors of self-control, self-esteem, self-efficacy, deferring gratification, internal locus of control and impulsiveness were significantly correlated with revolving credit use; on the other hand, sensation seeking, impulsiveness, and deferring gratification were correlated with petty installment use. We also found that some credit card features easily led to an “illusion of income” that facilitated consumer credit card debt behavior.

خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.