个人持有信用卡与个人统计特征的相关性分析

The Correlation Between Personal Credit Card Holding and Holders' Statistical Properties

基于对高校学生的调查数据进行的统计分析发现,个人是否持有信用卡与个人每月可支配收入、所学专业相关,与性别、学历无关。朋友影响、银行推销是影响个人是否持有信用卡的主要途径。最被看重的信用卡功能是透支消费,其次是储蓄现金。中间收入层次的人群持有信用卡的比例最高。统计分析结果并不否定对于受教育程度在大专水平以下的人群,其是否持有信用卡与受教育程度有关;商业银行应该重视"朋友影响"对于个人持有信用卡的作用,以提高人们对信用卡的认知与认同度;必须进行持续、动态的调查与统计分析,参考分析结果制定信用卡发展策略。

According to the statistical analysis results of the investigation data of university students, whether individuals hold credit cards is correlated with individuals＇ disposable incomes per month and their majors, and not correlated with their genders and education backgrounds. The influence of friends and marketing activities of banks are main reasons that result in individuals holding credit cards. The most valuable functions in the eyes of card holders are overdrawn consump- tion and savings. The proportion of card-holding is the highest in the group with moderate disposable incomes. The statisti- cal results do not confirm whether people in the group of junior college level possess credit cards is not correlated with their education degree. Commercial banks should pay attention to the influence of friends on credit card possession in indi- viduals to improve people＇s cognition and approval on credit cards. Continuous and dynamic investigation and statistical analysis are required for laying down suitable development strategies on credit card business.