本文關(guān)鍵詞：信用卡對中國消費需求增長的貢獻研究　出處：《上海外國語大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：本文的寫作主要是圍繞信用卡對消費需求增長的關(guān)系而展開的。自2008年經(jīng)濟危機之后,作為拉動中國經(jīng)濟增長“三駕馬車”之一的出口受到了嚴(yán)峻考驗,而政府投資又存在著種種局限性。在該背景下,國內(nèi)消費的自發(fā)性增長正逐漸成為中國未來經(jīng)濟增長的主要推動力。而具有消費信貸和電子支付雙重職能的信用卡,將在一定程度上促進我國消費需求的增長,進而推動中國經(jīng)濟的持續(xù)發(fā)展。 本文通過介紹信用卡的消費信貸和電子支付兩大職能,引出中國信用卡業(yè)務(wù)的發(fā)展歷程及發(fā)展現(xiàn)狀。接著先從理論上闡述信用卡與消費的相關(guān)理論,再通過問卷調(diào)查的數(shù)據(jù)運用實證分析證明信用卡與中國消費需求增長的關(guān)系,得出如下結(jié)論：信用卡的使用成本對持卡消費影響不大；信用卡的持有量對消費能起到巨大的推動作用；持卡人的部分特征可以助推信用卡消費。最后從國家、銀行及個人這三方面分別說明了國家要引導(dǎo)信用卡市場、銀行要疏導(dǎo)信用卡產(chǎn)品,雙管齊下才能讓消費者真正主導(dǎo)信用卡消費,從而刺激中國消費需求的增長。 本文依托信用卡與消費需求的相關(guān)理論,通過問卷調(diào)查獲得的數(shù)據(jù),運用數(shù)據(jù)分析與實證分析相結(jié)合的方法,為研究結(jié)論提供了數(shù)據(jù)支持和科學(xué)驗證。本文在前人的研究基礎(chǔ)之上,不僅完善了信用卡與消費需求增長的理論內(nèi)容,也使得模型更加具體化,論述更具有邏輯性。同時,本文還第一次從實證角度對信用卡與消費需求增長的關(guān)系進行了結(jié)構(gòu)分析,并闡明了發(fā)展信廠用卡離不開國家的宏觀調(diào)控、銀行的全力配合和個人的合理使用。
[Abstract]:Since 2008, after the economic crisis, the export, as one of the "troika" to stimulate China's economic growth, has been severely tested. But the government investment also has the various limitation. Under this background. The spontaneous growth of domestic consumption is gradually becoming the main driving force of China's future economic growth, and the credit card with the dual functions of consumer credit and electronic payment will to some extent promote the growth of consumer demand in China. Then promote the sustainable development of Chinese economy. This paper introduces the two functions of credit card consumer credit and electronic payment, leads to the development process and current situation of credit card business in China. Through the empirical analysis of the data of questionnaire survey, the paper proves the relationship between the credit card and the growth of consumer demand in China, and draws the following conclusions: the cost of using credit card has little effect on the consumption of holding card; Credit card holdings can play a huge role in promoting consumption; Some of the characteristics of the cardholder can help promote the consumption of credit card. Finally, from the country, banks and individuals, respectively, the country to guide the credit card market, banks to channel credit card products. Two-pronged approach allows consumers to truly dominate credit card spending, thus stimulating the growth of consumer demand in China. This paper relies on the theory of credit card and consumer demand, through the data obtained by questionnaire, using the method of combining data analysis and empirical analysis. This paper not only improves the theoretical content of credit card and consumer demand growth, but also makes the model more concrete. At the same time, this paper analyzes the relationship between credit card and consumer demand growth for the first time from the empirical point of view, and clarifies that the development of credit card can not be separated from the macro-control of the state. The full cooperation of the bank and the rational use of the individual.
【學(xué)位授予單位】：上海外國語大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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本文編號：1361946