信用卡使用对冲动性购买行为影响研究——以中国大学生为实证

Effects of Credit Card Use on Impulsive Buying -- A Study on Chinese College Stndents

本文用权力一名望、价格敏感性、忧虑、金钱保持时间为主要研究构面，对信用卡被扩展到低收入人群后对冲动性购买行为影响进行研究。通过大学生作为实证样本，证明冲动性购买首先受金钱态度影响，持有信用卡后则会加剧此行为发生频率。研究结论说明，信用卡使用即便对于低收入者，若持有不正确金钱态度也极易出现冲动性购买行为。

This paper takes power-prestige, price sensitivity, anxiety, retention time as the main research constructs and studies impulsive buying behavior of low-income groups after they use credit card. We collected the data with a sample of college students. Findings suggest that firstly, attitudes toward money directly influences impulsive buying among college students and aggravates ＂impulsive buying＂ with access to the use of a credit card. Our conclusion applies to low-income people with ＂incorrect＇ attitudes toward money.