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首页> 外文期刊>The International Journal of Bank Marketing >The relationship between credit card attributes and the demographic characteristics of card users in China
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The relationship between credit card attributes and the demographic characteristics of card users in China

机译：信用卡属性与中国信用卡用户的人口统计特征之间的关系

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Purpose - The purpose of this paper is to investigate the impact that several of these factors have on a consumer's decision to hold a credit card, as well as those involved in determining the level of credit card limit Design/methodology/approach - Potential explanatory variables were identified in the literature, then used to build a binary logit model to test the impact of the card and consumer characteristics on credit card ownership. Data were collected via a structured interview of 409 consumers living in Hebei Province, China. Findings - The results indicate that convenience in use, level of credit card interest rates, the application process, number of people in the household, a rewards programme, marital status, credit limit and age influence the likelihood of the respondent holding a credit card. Further, an anaylsis shows that the number of credit cards held, duration of holding a credit card, monthly credit card purchasing volume and having a degree at the tertiary level, are significantly and positively related to different levels of credit limit. Originality/value - In summary, in order to attract more consumers to credit card use, the banks and credit card companies should consider making it more convenient for consumers to use their credit cards. Moreover, banks can increase their networking and degree of cooperation with merchants to increase the acceptance of payment by credit card. The most heavily used businesses such as supermarkets and smaller retailers, where consumers purchase goods frequently, would be good targets for banks' attention. In addition, banks might also improve credit card reward programmes to make these more efficient and perhaps increase the size of the rewards customers can earn through card use.
机译：目的-本文的目的是调查这些因素中的一些因素对消费者决定持有信用卡的影响，以及与确定信用卡限额水平有关的因素。设计/方法/方法-潜在的解释变量在文献中被识别出来，然后被用来建立一个二进制logit模型来测试卡和消费者特征对信用卡所有权的影响。通过对居住在中国河北省的409位消费者的结构化访谈收集了数据。调查结果-结果表明，使用便利性，信用卡利率水平，申请过程，家庭人数，奖励计划，婚姻状况，信用额度和年龄会影响受访者持有信用卡的可能性。此外，分析表明，持有的信用卡数量，持有信用卡的持续时间，每月的信用卡购买量以及具有第三级的学历与不同级别的信用额度显着正相关。原创性/价值-总而言之，为了吸引更多的消费者使用信用卡，银行和信用卡公司应考虑使消费者更方便地使用信用卡。此外，银行可以增加与商户的网络联系和合作程度，以提高信用卡付款的接受度。诸如超市和小型零售商等使用频率最高的企业（消费者经常购买商品）将是吸引银行注意的良好目标。此外，银行还可能改善信用卡奖励计划，以提高这些奖励计划的效率，并可能增加客户可通过使用信用卡获得的奖励规模。

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