信用卡使用行为影响因素分析

Research on the Factors that Influence the Credit Card User's Behavior

本文采用清华大学中国金融研究中心(CCFR)"中国家庭金融研究调查"数据,构建逐步回归Logistic模型,分析信用卡使用行为的影响因素。研究的主要结果和启示是:不确定性导致的预防性动机会显著影响信用卡使用行为,有医疗保险的家庭使用信用卡的概率大大高于没有医疗保险的家庭;家庭总收入越高、教育程度越高,使用信用卡的概率越大;年轻人是使用信用卡的主力,特别是25—34岁的年轻人;企业及公司的管理者、工人和普通员工、个体户和小企业主、自由职业者更倾向于使用信用卡。

This paper analyses the factors affecting credit card users’ behavior by building a stepwise regression Logistic model and using the data of“financial research survey on Chinese family”collected by Tsinghua University China Financial Research Center （CCFR） .The main results and implications of the study are as follows：the precau-tionary motive caused by uncertainty will influence credit card users’behaviorsignificantly. The probability of families with medical insuranceusing a credit card is much higher than these without medical insurance. The higher the house-hold income or the higher education level is, the higher the probability of using a credit card is. The young people are the main force in the use of credit cards,especially these aged between 25 and 34 years old. The corporate managers, the self-employed and small business owners and the free professional tend to use the credit card more.