透视大学生信用卡消费风险与管理

Perspection on the Risks and Management of Credit Card Consumption among University Students

大学生信用卡业务是近几年银行新兴的朝阳产业,同时它也是一把双刃剑,向银行信用卡业务营销模式和大学生信用风险双方发起挑战。本文通过调查研究大学生信用卡使用现状,解析大学生信用卡消费群体特征,进行归因分析,并就大学生信用卡消费的突出问题提出建设性意见。

The credit card application of university students belongs to recently-emerging sunrise industry of banks.It also functions as a double-edged sword,which challenges both banks＇ marketing model and credit risk of university students.The article analyses the features of credit card consumption group of university students,existing problems,attribution analysis and puts forward the recommendations.