Correlates of Credit Card Adoption in Urban China

被引：19

作者：

Deanna L. Sharpe

Rui Yao

Li Liao

机构：

[1] Personal Financial Planning Department, University of Missouri, Columbia, MO 65211

[2] Personal Financial Planning Department, University of Missouri, Columbia, MO 65211

[3] Tsinghua University, Beijing 100084

来源：

Journal of Family and Economic Issues | 2012年 / 33卷 / 2期

关键词：

Chinese; Credit cards; Financial knowledge;

D O I：

10.1007/s10834-012-9309-0

中图分类号：

学科分类号：

摘要：

Analysis of data from the 2008 Survey of Chinese Consumer Finance and Investor Education indicated that 30.0 % of the sample households held at least one credit card. Significant factors associated with the probability that an urban Chinese individual would hold a credit card included income, age, education, occupation, and awareness of credit card risks, default consequences, the credit system, and that late payments increase interest. © 2012 Springer Science+Business Media, LLC.

引用

页码：156 / 166

页数：10

共 37 条

[1]

Adcock W.O., Hirschman E.C., Goldstucker J.L., Bank credit card users: An updated profile, Advances in Consumer Research, 4, pp. 236-241, (1977)

[2]

Ando A., Modigliani F., The life cycle hypothesis of saving: Aggregate implications and tests, American Economic Review, 53, 1, pp. 55-84, (1963)

[3]

Baek E., Hong G., Effect of family life cycle states on consumer debts, Journal of Family and Economic Issues, 25, 3, pp. 359-385, (2004)

[4]

Barker T., Sekerkaya A., Globalization of credit card usage: The case of a developing economy, International Journal of Bank Marketing, 10, 6, pp. 27-31, (1992)

[5]

China to pass US as largest credit-card market by 2020, (2010)

[6]

China credit card debt increases, (2010)

[7]

Growing adoption of credit card in China, (2010)

[8]

Chinese households earning more but saving less, (2011)

[9]

Chen W., Comparison of Chinese and US credit system and suggestions, Study on China Administration for Industry and Commerce, 13, 8, pp. 8-12, (2004)

[10]

Danes S.M., Hira T.K., Knowledge, beliefs, and practices in the use of credit cards, Home Economics Research Journal, 18, pp. 223-235, (1990)

← 1 2 3 4 →