本文關(guān)鍵詞： 債務(wù)監(jiān)控 心理賬戶 面額效應(yīng) 自我控制　出處：《寧波大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：人們?cè)谶M(jìn)行消費(fèi)決策時(shí)，總是面臨著當(dāng)前消費(fèi)還是暫時(shí)抑制消費(fèi)欲望進(jìn)而控制住通過儲(chǔ)蓄而將當(dāng)前消費(fèi)延推遲到未來這樣一個(gè)的矛盾難題情境。儲(chǔ)蓄與消費(fèi)是個(gè)體的一種“內(nèi)在的沖突”，要想延遲消費(fèi)滿足就必須進(jìn)行“自我控制”。理論上，助學(xué)貸款的學(xué)生由于身負(fù)還貸的壓力，他們?cè)谙M(fèi)時(shí)更應(yīng)該進(jìn)行自我控制。本研究以“面額效應(yīng)”和“心理賬戶”為檢測(cè)消費(fèi)控制的因變量指標(biāo)，探索了不同債務(wù)監(jiān)控能力助學(xué)貸款學(xué)生的“面額效應(yīng)”和“心理賬戶”差異，同時(shí)也考察了助學(xué)貸款學(xué)生與非助學(xué)貸款學(xué)生的日常消費(fèi)、面額效應(yīng)及心理賬戶等方面的差異。結(jié)論如下： （1）助學(xué)貸款學(xué)生在債務(wù)監(jiān)控分量表及債務(wù)容忍度量表總分上存在顯著的性別差異，而在學(xué)科、年級(jí)和領(lǐng)取年限等變量上差異不顯著。 （2）助學(xué)貸款學(xué)生與非助學(xué)貸款學(xué)生的日常消費(fèi)差異表現(xiàn)在：助學(xué)貸款學(xué)生平均每月消費(fèi)在600到800元之間，而在非助學(xué)貸款學(xué)生每月平均在800到1000元之間；助學(xué)貸款學(xué)生生活費(fèi)用來源除少數(shù)來自父母外，多數(shù)來自獎(jiǎng)助學(xué)金、校內(nèi)外兼職和助學(xué)貸款，而非助學(xué)貸款學(xué)生則大多源自父母；在網(wǎng)絡(luò)通訊、娛樂和日常用品上，，助學(xué)貸款學(xué)生的消費(fèi)量少于非助學(xué)貸款學(xué)生，而在購(gòu)買學(xué)習(xí)資料方面，則助學(xué)貸款學(xué)生的消費(fèi)量多于非助學(xué)貸款學(xué)生；有消費(fèi)記賬習(xí)慣的助學(xué)貸款學(xué)生多于非助學(xué)貸款學(xué)生。 （3）不同收入的心理賬戶存在不同支配方式：1）正常收入支配排序依次為生存性投資，儲(chǔ)蓄及發(fā)展性、人情性投資，2）助學(xué)貸款收入支配排序依次為儲(chǔ)蓄，生存性投資及發(fā)展性、人情性投資。 （4）心理賬戶是區(qū)分助學(xué)貸款學(xué)生債務(wù)監(jiān)控力強(qiáng)弱的敏感指標(biāo)。不同收入來源，影響助學(xué)貸款學(xué)生與非助學(xué)貸款學(xué)生在同一項(xiàng)目上的金額分配。 （5）高債務(wù)監(jiān)控力助學(xué)貸款學(xué)生的面額效應(yīng)強(qiáng)于低債務(wù)監(jiān)控力助學(xué)貸款學(xué)生；助學(xué)貸款學(xué)生的面額效應(yīng)強(qiáng)于非助學(xué)貸款學(xué)生。 綜上所述，本研究拓展和豐富了助學(xué)貸款心理研究的領(lǐng)域，為高校開展大學(xué)生信用教育、助貸管理機(jī)構(gòu)信用管理提供心理學(xué)依據(jù)。
[Abstract]:When people make consumer decisions. Always faced with the current consumption or temporary suppression of consumer desire to control the savings and delay the current consumption to the future such a difficult situation. Savings and consumption is an individual "internal conflict" . In order to delay consumption satisfaction, there must be "self-control". In theory, students on student loans are under pressure to repay their loans. In this study, the "face effect" and "psychological account" were used as the dependent variables to test the consumption control. This paper explores the difference of "denomination effect" and "psychological account" between student loan students with different debt monitoring ability, and also examines the daily consumption of student loan students and non-student loan students. Differences in the denomination effect and psychological accounts. The conclusions are as follows: (1) there were significant gender differences in the total scores of debt monitoring component table and debt tolerance scale for student loan students, but there was no significant difference in subjects, grades and years of receipt. 2) the difference of daily consumption between student loan students and non-student loan students is as follows: the average monthly consumption of student loan students is between 600 and 800 yuan. In non-student loan students average between 800 and 1000 yuan per month; Except for a few students from their parents, most of them come from scholarships, part-time and student loans, while non-student loans are mostly from their parents. In network communication, entertainment and daily necessities, the consumption of student loan students is less than that of non-student loan students, but the consumption of student loan students is higher than that of non-student loan students. There are more student loan students than non-student loan students in the habit of consumer accounting. The order of normal income dominance is survival investment, savings and development, and human investment. 2) the dominating order of student loan income is savings, survival investment and development, and human investment. 4) Psychological account is a sensitive index to distinguish student debt monitoring ability. Different sources of income affect the distribution of money between student loan students and non-student loan students on the same project. (5) the denomination effect of students with high debt monitoring power loan is stronger than that of students with low debt supervision power loan, and the denomination effect of student loan student is stronger than that of non-student loan student. To sum up, this research expands and enriches the research field of student loan psychology, and provides psychological basis for university students' credit education and credit management.
【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：G649.2

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