信用卡对居民消费拉动作用分析-analysis of the effect of credit card on residents consumption.docxVIP

SummaryCredit card has become the most important non-cash payment instruments and tools for small consumer credit, thus affecting the consumer behavior of urban residents is an important factor. With the recent credit cards issuing banks in Chinas rapid growth in size, credit card payment on the positive role of promoting consumption gradually manifested and had a great impact, for which the credit card on the stimulating effect of consumption of urban residents in the study to promote the development of Chinas credit card industry has important practical significance. In this paper, based on the research scholars,Introduced a credit card and consumer links between the theory and the Development of Chinas credit card business, consumer behavior characteristic attempt to pay with credit cards, credit cards consumer credit, consumer behavior on the mechanism, refer to the mainstream consumer behavior hypothesis, explore the establishment of a include credit card payment, Social Security Development level, consumers-expected factors, including De urban residents consumption behavior model, Bing Tong Guo Jin ten pairs of samples Shujujinxing model of urban residents is estimated. Quantitative research of the credit card and consumer credit as a payment instrument, arising out of acts on the consumer role in the actual pulling.Through the above analysis has driven urban residents aware of credit card spending, the role of promoting economic growth, and therefore we should vigorously develop the credit card business, but because of the credit card business in China started late, slow development, the present policy still exist in the credit card business, consumer concepts update problem, this paper puts forward policy recommendations on thisKeywords : Credit card payment, the consumer, the marginal propensity to consume, consumer creditClassification number：F208贵州大学工商管理硕士学位论文第一章 绪论1.1 研究的背景及意义做为现代科学技术与银行金融业务相结合产物和新型的支付结算工具，信用卡出生 就结合了当代科技必威体育精装版的发展水平和银行业的金融创新。它具备了当前科技发展的最高 水