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首页> 外文期刊>Journal of Business Research >Determinants of knowledge of personal loans' total costs: How price consciousness, financial literacy, purchase recency and frequency work together
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Determinants of knowledge of personal loans' total costs: How price consciousness, financial literacy, purchase recency and frequency work together

机译：个人贷款知识的决定因素：价格意识，金融扫盲，购买新月和频率如何共同努力

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摘要

Politicians and analysts frequently call for stricter regulation of personal loans. Two variables that are easy to measure, and therefore easy to include in regulations and public policy, are purchase recency and purchase frequency. Politicians and analysts also regularly demand an increase in price consciousness and financial literacy among customers. This paper aims to analyze how these four factors work together to generate perceived and actual knowledge of the personal loans' total costs. An empirical study employing a survey administered through personal in-home interviews was carried out. This paper shows how perceived and actual knowledge of personal loans' total costs are affected differently by these four factors. The results are discussed, and implications for regulators, managers, and researchers are presented.
机译：政治家和分析师经常要求更严格地监管个人贷款。易于测量的两个变量，因此易于包含在法规和公共政策中，是购买新闻和购买频率。政治家和分析师还经常要求客户的价格意识和金融扫盲提高。本文旨在分析这四种因素如何共同努力，以产生对个人贷款总成本的感知和实际知识。进行了通过个人内部采访管理的雇用调查的实证研究。本文展示了这些四个因素的个人贷款总成本的察觉和实际知识。讨论了结果，并提出了对监管机构，经理和研究人员的影响。

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