本文選題：心理賬戶 + 金錢(qián)態(tài)度��； 參考：《上海師范大學(xué)》2015年碩士論文

【摘要】：在當(dāng)今社會(huì),由于物質(zhì)與生活水平提高帶來(lái)的消費(fèi)觀以及消費(fèi)方式產(chǎn)生了重大的變化,其中消費(fèi)領(lǐng)域的非理性消費(fèi)已經(jīng)引起人們的重視,值得一提的是對(duì)該領(lǐng)域作出巨大貢獻(xiàn)的心理學(xué)家丹尼爾·卡尼曼和弗農(nóng)·史密斯還曾獲得諾貝爾經(jīng)濟(jì)學(xué)的大獎(jiǎng)。近年來(lái)也有不少課題針對(duì)消費(fèi)心理進(jìn)行了深入研究,然而信用卡為消費(fèi)者所帶來(lái)的消費(fèi)模式和消費(fèi)體驗(yàn)也為消費(fèi)者帶來(lái)了諸多的問(wèn)題,其中的一個(gè)重要問(wèn)題就是信用卡非理性消費(fèi),如超額透支、成為卡奴、以卡養(yǎng)卡等都已悄然演變成為一種社會(huì)問(wèn)題,然而放眼望去涉足信用卡非理性消費(fèi)的相關(guān)文獻(xiàn)還比較少,因此研究其信用卡非理性消費(fèi)的影響因素并且合理的預(yù)防其非理性消費(fèi)具有重要的現(xiàn)實(shí)意義。研究目的:調(diào)查信用卡的使用現(xiàn)狀;揭示心理賬戶、金錢(qián)態(tài)度與消費(fèi)價(jià)值觀與信用卡非理性消費(fèi)之間的內(nèi)在關(guān)系;探討心理賬戶、金錢(qián)態(tài)度與消費(fèi)價(jià)值觀三者之間又是否存在關(guān)系;考察人口學(xué)變量與信用卡非理性消費(fèi)是否有關(guān)聯(lián),為消費(fèi)者和銀行商家都得出有價(jià)值的參考依據(jù)。研究方法:本研究以解決以上問(wèn)題為目標(biāo),提出相關(guān)假設(shè),通過(guò)金錢(qián)態(tài)度量表、消費(fèi)價(jià)值觀量表以及信用卡非理性消費(fèi)量表首先收集了240份有效樣本對(duì)問(wèn)卷進(jìn)行預(yù)測(cè)與修訂,最后通過(guò)修訂后的問(wèn)卷再進(jìn)行發(fā)放回收了483份有效樣本,并采用SPSS 19.0和AMOS 7.0軟件包對(duì)數(shù)據(jù)進(jìn)行分析處理。文中主要涉及到的統(tǒng)計(jì)分析方法包括探索性因素分析、驗(yàn)證性因素分析、描述性分析、相關(guān)分析以及回歸分析。研究結(jié)論:通過(guò)相關(guān)分析發(fā)現(xiàn),心理賬戶與金錢(qián)態(tài)度正相關(guān),相關(guān)系數(shù)為0.301;金錢(qián)態(tài)度與消費(fèi)價(jià)值觀正相關(guān),相關(guān)系數(shù)為0.248。通過(guò)回歸分析發(fā)現(xiàn),心理賬戶、金錢(qián)態(tài)度和消費(fèi)價(jià)值觀都對(duì)信用卡非理性消費(fèi)產(chǎn)生影響,并能共同預(yù)測(cè)信用卡非理性消費(fèi),其中心理賬戶的預(yù)測(cè)作用最強(qiáng)。詳細(xì)來(lái)說(shuō),“收入”以及“支出”心理賬戶、金錢(qián)的“能力/聲望”“擔(dān)心”態(tài)度、消費(fèi)價(jià)值觀中的“體驗(yàn)性價(jià)值觀”對(duì)信用卡非理性消費(fèi)具有一定的預(yù)測(cè)作用;人口學(xué)變量中年齡對(duì)信用卡非理性消費(fèi)有影響,年齡越大的消費(fèi)者信用卡非理性消費(fèi)越嚴(yán)重;性別對(duì)信用卡非理性消費(fèi)無(wú)顯著影響。
[Abstract]:In today's society, as a result of the improvement of material and living standards, there have been significant changes in consumption outlook and consumption style, in which irrational consumption in the field of consumption has attracted people's attention.It is worth mentioning that psychologists Daniel Caneman and Vernon Smith, who have made great contributions to the field, have also won the Nobel Prize in Economics.In recent years, there have been a lot of research on consumer psychology. However, the consumption pattern and experience brought about by credit card for consumers also bring many problems for consumers.One of the important problems is that the irrational consumption of credit cards, such as excessive overdraft, becoming card slaves and so on, has quietly evolved into a kind of social problem. However, there are relatively few related documents involved in the irrational consumption of credit cards.Therefore, it is of great practical significance to study the influencing factors of its credit card irrational consumption and to reasonably prevent its irrational consumption.The purpose of this study was to investigate the current situation of credit card use, to reveal the inner relationship between psychological account, money attitude, consumption values and irrational consumption of credit card, and to explore the psychological account.Whether there is a relationship between money attitude and consumption values, and whether the demographic variables are related to the irrational consumption of credit card, which is a valuable reference basis for both consumers and banks.Methods: in order to solve the above problems, this study put forward some hypotheses. First, 240 valid samples were collected to predict and revise the questionnaire through money attitude scale, consumption value scale and credit card irrational consumption scale.Finally, 483 valid samples were collected by the revised questionnaire, and the data were analyzed and processed by SPSS 19.0 and AMOS 7.0 software package.The statistical analysis methods involved in this paper include exploratory factor analysis, confirmatory factor analysis, descriptive analysis, correlation analysis and regression analysis.Conclusion: through correlation analysis, it is found that psychological account is positively correlated with money attitude, correlation coefficient is 0.301, and money attitude is positively correlated with consumption value, the correlation coefficient is 0.248.Through regression analysis, it is found that psychological accounts, monetary attitudes and consumption values all have an impact on the irrational consumption of credit cards, and can jointly predict the irrational consumption of credit cards, among which psychological accounts have the strongest predictive effect.In detail, the psychological account of "income" and "expenditure", the "ability / prestige" of money and the attitude of "worry", and the "experiential value" of consumption values have certain predictive effect on the irrational consumption of credit card;In demographic variables, age has an effect on credit card irrational consumption, and the older the age is, the more serious the irrational consumption of credit card is, while gender has no significant effect on credit card irrational consumption.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：B849

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本文編號(hào)：1730986