目标结构、信息干预与信用卡还款决策:来自实验室实验的证据

The Effects of Goals Forms and Information Intervention on Credit Card Repayment Decision: Evidence from Laboratory Experiments

伴随消费观念的改变和信用支付的便捷化,过度借贷现象愈发突出,人们对多个债务还款时的非最优决策加剧了不良信贷的出现。本研究关注信用卡还款过程中优先偿还债务额更低信用卡,而不是偿还利率更低信用卡的非理性行为,探究这一行为的内在机理及干预措施。我们利用实验室实验方法,考察个体在面对不同目标结构下的还款决策,研究社会规范、外部激励等干预信息在个体还款决策过程中的作用。结果表明,人们在进行还款决策时会选择高利率低债务额的信用卡进行偿还;可通过目标结构和信息来改善非理性还款行为。

With the changes in consumption views and the convenience of credit payments,the phenomenon of excessive borrowing has become more and more prominent,and people’s non-optimal decisions when repaying multiple debts have exacerbated the emergence of bad credit. This study focuses on the irrational behavior of repaying credit cards with lower debts in preference to credit cards with lower interest rates during the credit card repayment process,and tries to explore the mechanism of this behavior and intervention measures. We use laboratory experiments to examine individuals’ repayment decisions in the face of different goals forms,and introduce social norms and external incentives to study the effect of these interventions on the individual repayment decisionmaking process. The experimental results show that people will choose credit cards with high interest rates and low debt to repay;we can intervene irrational repayment behavior through different goals forms and information.