【作者】 陈红；

【导师】 潘士远；

【作者基本信息】 浙江大学 ， 金融学， 2012， 硕士

【摘要】 随着信用卡消费交易额占社会商品零售总额的占比逐年大幅攀升,信用卡消费方式已成为广大学者的研究重点。此外,相关信用卡研究资料表明社会阶层越高的人越倾向于将信用卡作为方便的支付消费工具；社会阶层越低的人越倾向于将信用卡作为消费信贷工具,因此我们研究信用卡高端客户的消费行为更具重要的现实和理论意义。本文采用了高质量的银行内部管理数据,弥补了国内外信用卡高端客户群体消费行为实证研究领域缺乏一手资料的空白,诣通过对信用卡高端客户真实消费行为数据的数量和实证分析,探求影响高端客户消费的主要因素。本文首先介绍了相关消费理论及其在研究信用卡高端客户中的运用以及国内外对于信用卡客户群消费行为分析的文献及消费函数理论的发展历程；接着通过数量模型和描述性研究等方法对数据进行了多维度的分析,得到如下结论：信用卡高端客户群体消费习惯受经济身份影响很大,其次研究对象中年青客户具有消费能力异常凸显。最后,根据数据分析得到的重要结论,对高端信用卡产品牡丹白金卡的市场发展提出了相关发展策略。本文的最大创新之处在于一是采用了高质量的管理数据,二是尽管有大量文献研究了经济身份对消费的影响,但已有研究信用卡与消费关系的文献都忽略这一内容——信用卡高端客户群体消费习惯受经济身份影响很大。三是计量分析表明年龄对消费的影响是倒U形的。这一结果与已有研究信用卡对消费影响的文献发现年龄与消费呈线性关系的结论不同。更多还原

【Abstract】 With the growing proportion of the amount of consumption of credit card to that of retail sales, consuming behavior has become research focus. Besides, related research shows that the higher-end customers prefer to pay in credit with the comparison of that the lower-end customers prefer to customer credit when using credit card. As a result, it is of greater importance and academic significance to research on high end customer of credit card. I do this research using high quality data of internal management of bank, to make up for the blank, at home and abroad, of the lack of the first hand data when researching on the high-end customers’behavior. In this paper, I plan to explore the main factors to influence the high-end customers by analyzing the real consumption of high-end credit card customers and empirical study.The first part of this paper introduces related economic theories when researching on high-end customers. It also describes the history and current state of the study on credit card holders’behavior and consumption function theory. After that, I analyze in multi-dimension by quantity modeling and describing research, which draws to a conclusion that the economic identity usually exerts a great impact on high-end credit card customers, while the consuming ability of teenagers and middle age stand out extraordinarily. At last, on the basis of conclusion of the analysis, I raise some suggestion on the development of the market of peony platinum credit card, a high-end credit card product.It is of the greatest innovation of this paper that I adopt the high quality management data. Moreover, the study on high-end credit card customers who can be influenced greatly by whose economic identity, is always ignored by past researches though a great number of researchers have studied the influence of the economic identity on consumption. What’s more, the measurement analysis shows that age influence consumption in inverted U-shape. This result is different from the conclusion that existing study on the influence of credit card on consumption shows that consumption relate to ages linearly.更多还原