基于计划行为理论的信用卡使用意向分析及其营销策略研究.PDFVIP

8 11 Vol.8 No. 11 2011 11 Chinese Journal of Management Nov. 2011 1 1 2, 3 王大海 姚 飞 郑玉香 ( 1. 天津工业大学工商学院; 2. 南开大学商学院; 3. 上海海事大学经济管理学院) : 在计划行为理论的基 上, 使用结构方程模型等数理统计方法, 探析了消费者信用 卡使用意向的影响因素, 建构了消费者信用卡使用意向模型研究表明,计划行为理论中信用 卡态度和知觉行为控制变量对消费者信用卡使用意向有重要影响此外, 研究还进 一步将消 费者信用卡态度区分为便利性态度金钱与信用态度, 实证研究显示便利性态度对信用卡使用 意向有重要影响,并且这种区分是合理的和必要的 : ; ; ; ; : C93 : A : 1672-884X(2011) 11-1682-08 A Study on Credit Cards Usage Intention and Its Marketing Strategies Based on Theory of Planned Behavior 1 1 2, 3 WANG Dahai YAO Fei Z ENG Yuxiang ( 1.Tianjin Polytechnic University, Tianjin, China; 2.Nankai University, Tianjin, China; 3.Shanghai Maritime University, Shanghai, China) Abstract: Based on the theory of planned behavior, the study explores the factors influencing the will of consumers. useof credit cards and develops a model to investigate consumers. credit card usage intention by means of a structural equation model. Theresults show that consumers. attitude towards the credit card and it. s perceived behavioral control have a material impact on consumers. intention to use credit cards. Moreover, the study has divided the attitude towards credit cards into the attitude toward convenience, money and credit. The results of this empirical analysis show that the attitude towards convenience has an important influence on consumers. credit card usage intention. And this distinction is reasonable and essential. Key words: attitude towards convenience; attitude towards money and credit; perceived behavior- al control; the theory of planned