信用卡取现影响因素研究

Research on the Factors that Influence Cash Withdrawal from Credit Card

在中国信用卡市场,利息和年费已经不是信用卡的主要利润来源。若用信用卡透支取现,客户要付手续费及利息,并且无免息期,这为银行带来高额利润。究竟是哪些因素导致客户信用卡透支取现,受到银行业界的关注,然而,至今国内外学术界对该问题的研究成果甚少。本文采用我国某商业银行信用卡中心的微观数据,运用Logistic回归模型,从是否取现和平均取现金额两个方面,实证分析了信用卡取现的影响因素。研究结果表明,性别、收入、职业和婚姻状况是导致信用卡透支取现的主要影响因素。论文的具体结果是:男性相对于女性取现的可能性较高,社会经济地位高的持卡人更愿意使用信用卡取现,企业职工取现的可能性明显高于机关事业单位,而已婚人士取现的可能性较低。

In the credit card market of China,interest and annual fee are not the credit card's main source of profits now. However,if using a credit card to withdraw cash,banks will charge fee and interest from customers soon,and no interest-free period,the cash withdrawal is able to create high profits for the bank. Using microdata of a credit card center of a commercial bank in China in our logistic regression model,we find that age,sex,income and marital status play a role in cash withdrawal from credit card. Also,enterprise employees are more likely to withdraw cash from credit card than Government staff.