心理账户、金钱态度及消费价值观和信用卡非理性消费的关系研究.pdfVIP

Abstract Shanghai Normal University Master of Philosophy II Abstract In todays society, as a result of the improvement of living standard, peoples consumption concept and consumption patterns has changed a lot, the irrational consumption fields has attracted peoples attention, it is worth mentioning that psychologists make great contribution to the field of Daniel Kahneman and Vernon Smith had won the Nobel Economics prize. In recent years, there are many issues in- depth study in the consumer psychology. However, credit card brings for the consumer’s consumption patterns and consumption experience at the same time it also brings many problems for consumers, one of the problems is that credit card irrational consumer, such as excessive overdrafts, becoming card slaves, raise card to card etc have been quietly become a social problem, but the research on credit card irrational consumer document is still relatively small, so the research on the influence factors of credit card irrational consumption and reasonable to prevent the irrational consumption has important practical significance. Research Objectives: To investigate the use of the status quo of credit card; To reveal the mental account, money attitudes and consumption values inherent relation with credit card irrational consumer; Trying to find out the relations of mental account, money attitudes and consumption values; To investigate if relationship exist between demographic variables and credit card irrational consumption. To obtain the valuable reference for the consumer, bank and businesses. Research Methods: Methods: With the goal of solving the above problems, the paper puts forward the hypotheses, Use the money attitudes scale, consumption values scale and credit card irrational consumer scale