《信用卡分期付款消费倾向的实证研究》.doc

摘要 Abstract With the rapid development of Credit Card in our country, more and more new types of card businesses have appeared accordingly. Many card issuers have turned the focuses of card-issuing scales into new-businesses exploration. More and more card issuers draw their attentions on a newly-appeared card derivative business – credit card installment. However, the correlation studies of card installment stopped at qualitative analysis, and it is even a blank space in practical analysis combining with consumers’ psychologies. The lack of this theoretical studies lead to the bottleneck of their card-business development, thus they cannot find out an effective way to promote their card business. From the angle of the consumers, the author of this article designed the psychological measurements on the basis of the relative consuming psychology theoretical studies home and abroad. And a most popular way of investigation has been adapted herein, i.e. online investigation. The statistical methods, such as variance analysis and factorial analysis, are used herein for the practical analysis on consumers’ propensity to consume; and a relational model has been set up between the three psychological factors (i.e. demand of utilization, degree of satisfaction, and risk perception) and card installment trend. The research shows that vital statistics, such as sex, age, education, profession and income, has a clear negative influence on card installment trend, necessities and satisfactory factors positive, and risk perception negative. Hence, the outstanding influences on card installment have been found by the studies of the demanding necessities on psychology and money, the satisfactory of products and services, and the risks in expense, function, and the society. The conclusion of this article gives the supporting data of card installment on the basis of the practical analysis about consumers, and brings up relative suggestions on it, therefore, can make the card installme