信用态度世代变迁的实证研究.pdfVIP

第31 卷总第131 期 科学·经济·社会 Vol. 31 , Sum No.131 2013 年第2 期 SCIENCE . ECONOMY . SOCIETY No.2 , 2013 信用态度世代变迁的实证研究 陈岩1 ，宋红敏2 (1.北京联合大学管理学院，北京 1∞191 ;2. 北京联合大学应用文理学院，北京 1∞191) 摘 要:发展消费信贷的正确思路是提升有信用能力消费者的信用消费意愿，一般认为信用消费意愿主要取决于 信用态度，信用态度又会受到消费者所处的亚文化群体的影响。本文以年龄作为亚文化群体划分依据，在问卷调 查的基础上对消费者信用态度进行世代比较研究。研究结果显示不同世代的信用态度和消费信贷行为有显著差 异，从整体趋势上看，年轻人有更为积极的信用消费态度和更多的消费信贷行为。但是，世代与信用态度之间的关 系并不是简羊的线性关系，这说明除了年龄外，还有其他因素在影响信用态度的变迁。 关键词:信用态度;消费信贷;世代;交迁 中图分类号:F403 文献标志码:A 文章编号:1∞6-2815 (2013 )02-∞92-06 The Inter-generational Transmutation of Attitude to Credit l 2 CHEN Yan , SONG Hong-min (1. Gollege of Manag军ment ， Beijing Union University, Beijing 1∞191 ， Ghina; 2. Gollege ofApplied A由 αnd Science , Beijing Union University , Beijing 1∞191 ， Ghina) Abstract: The smart choice of the development of consumer credit is to enhance the intention to borrow for consumption of consumers with credit capacity. It has been confirmed that attitude to credit play an important role to the intention to bor- row , and the consumers subcultures may influence attitude to credit. In this research , consumers are divided into six gen- erations , and questionnaires are issued. The results showed that there 町e obvious differences in attitude to credit and con- sumer credit behaviors between generations. On the whole , the younger consumers are more likely to borrow for consump- tion. But there is no simple linear relationship among generations and attitude to credit. ηlÌs study indicate