大学生使用信用卡现状分析及对策—影响信用卡消费习惯的关键因素调查 外文原文.doc

（Credit card attitudes and behaviors of college students） College Student Journal, Sept, 2003 by So-Hyun Joo, John E. Grable, Dorothy C. Bagwell Henry, Weber, and Yarbrough (2001), writing in this Journal, reported that many college students are living on the verge of a financial crisis. The purpose of this study was to further consider this assertion by examining college students credit card use behavior and attitudes. A concurrent purpose was to test the factors associated with students attitude toward credit cards. It was determined that, using a sample of 242 undergraduate and graduate students from a southwestern state university, Ethnic/racial background, academic level, credit card ownership, parents credit card use, money ethic, and locus of control were associated with college students credit card attitudes. Henry et al.s assertion that students are vulnerable to a financial crisis was confirmed. College students use of credit cards has recently received increased visibility throughout the media (Hayhoe, 2002). Henry, Weber, and Yarbrough (2001), writing in this Journal, concluded that in addition to credit problems many students do not have a written budget, and of those who do have a budget few young people actually use it. They determined that university students are vulnerable to financial crisis (p. 246). The staggering number of credit cards in circulation exemplifies this crisis, as does the number of cards carried by the average student. Currently, there are 1.3 billion credit cards in circulation, which, when averaged, equals about 12 cards per household (Sullivan, Warren, Westbrook, 2000). The growth of credit cards on college campuses has tended to minor the credit saturation found in the general public (Xiao, Noring, Anderson, 1995). More than a decade ago Churaman (1988) reported on college students use of consumer credit. It was during this period that the banking industry began permeating the student credit card market in the late 1980s (Ma