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

【摘要】：在當今社會,由于物質(zhì)與生活水平提高帶來的消費觀以及消費方式產(chǎn)生了重大的變化,其中消費領(lǐng)域的非理性消費已經(jīng)引起人們的重視,值得一提的是對該領(lǐng)域作出巨大貢獻的心理學家丹尼爾·卡尼曼和弗農(nóng)·史密斯還曾獲得諾貝爾經(jīng)濟學的大獎。近年來也有不少課題針對消費心理進行了深入研究,然而信用卡為消費者所帶來的消費模式和消費體驗也為消費者帶來了諸多的問題,其中的一個重要問題就是信用卡非理性消費,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問題,然而放眼望去涉足信用卡非理性消費的相關(guān)文獻還比較少,因此研究其信用卡非理性消費的影響因素并且合理的預防其非理性消費具有重要的現(xiàn)實意義。研究目的:調(diào)查信用卡的使用現(xiàn)狀;揭示心理賬戶、金錢態(tài)度與消費價值觀與信用卡非理性消費之間的內(nèi)在關(guān)系;探討心理賬戶、金錢態(tài)度與消費價值觀三者之間又是否存在關(guān)系;考察人口學變量與信用卡非理性消費是否有關(guān)聯(lián),為消費者和銀行商家都得出有價值的參考依據(jù)。研究方法:本研究以解決以上問題為目標,提出相關(guān)假設,通過金錢態(tài)度量表、消費價值觀量表以及信用卡非理性消費量表首先收集了240份有效樣本對問卷進行預測與修訂,最后通過修訂后的問卷再進行發(fā)放回收了483份有效樣本,并采用SPSS 19.0和AMOS 7.0軟件包對數(shù)據(jù)進行分析處理。文中主要涉及到的統(tǒng)計分析方法包括探索性因素分析、驗證性因素分析、描述性分析、相關(guān)分析以及回歸分析。研究結(jié)論:通過相關(guān)分析發(fā)現(xiàn),心理賬戶與金錢態(tài)度正相關(guān),相關(guān)系數(shù)為0.301;金錢態(tài)度與消費價值觀正相關(guān),相關(guān)系數(shù)為0.248。通過回歸分析發(fā)現(xiàn),心理賬戶、金錢態(tài)度和消費價值觀都對信用卡非理性消費產(chǎn)生影響,并能共同預測信用卡非理性消費,其中心理賬戶的預測作用最強。詳細來說,“收入”以及“支出”心理賬戶、金錢的“能力/聲望”“擔心”態(tài)度、消費價值觀中的“體驗性價值觀”對信用卡非理性消費具有一定的預測作用;人口學變量中年齡對信用卡非理性消費有影響,年齡越大的消費者信用卡非理性消費越嚴重;性別對信用卡非理性消費無顯著影響。
[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.
【學位授予單位】：上海師范大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：B849

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本文編號：1730986