Acquisition mode and credit card overspending behavior: An empirical analysis of the credit card industry
Acquisition mode and credit card overspending behavior: An empirical analysis of the credit card industry
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获取模式与信用卡超支行为：信用卡行业实证分析
DOI：
10.1111/joca.12341
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发表时间：
2020-11
影响因子：
2.8
通讯作者：
Chen Jing
中科院分区：
文献类型：
--
作者：
Ming Yaxin;Li Chenxi;Chen Jing
虽然信用卡过度消费行为已经成为一个严重的社会问题，对消费者福利和经济稳定产生严重的负面影响，但对信用卡过度消费行为的研究仍然是分散和不足的。本研究探讨以往文献所忽略的信用卡过度消费行为的新前因型态--信用卡公司的购并模式。基于中国某大型商业银行的数据，采用消费金额、取现金额和逾期率三个维度对信用卡透支行为进行测度，结果表明：获得礼品对取现金额和逾期率有正向影响，对消费金额有负向影响。此外，我们发现，这种关系可能会削弱女性客户和客户的教育水平较高。本研究为信用卡透支文献和客户获取文献提供了理论启示。它还对消费者福利和公共决策产生重要影响。
Although credit card overspending behavior has become a critical societal concern with severe negative impacts on consumer welfare and economic stability, research on credit card overspending behavior remains fragmented and understudied. This study investigates new types of antecedents of credit card overspending behavior that are overlooked in the prior literature—the acquisition mode of credit card companies. Based on data set from a large commercial bank in China, this study measures credit card overspending behavior using consumption amount, cash withdrawal amount and overdueness, and suggests that gift acquisition has a positive effect on cash withdrawal amount and overdue probability as well as a negative effect on consumption amount. Furthermore, we find that this relationship could be weakened for female customers and for customers with higher education levels. This study provides theoretical implications for both the credit card overspending literature and customer acquisition literature. It also has important implications for consumer welfare and public policymaking.
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DOI：
10.1080/10668926.2013.740388
发表时间：
2013-01
影响因子：
1
作者：
S. Starobin;L. Hagedorn;A. Purnamasari;Y. Chen
通讯作者：
S. Starobin;L. Hagedorn;A. Purnamasari;Y. Chen
影响因子：
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DOI：
--
发表时间：
2008
期刊：
--
影响因子：
--
作者：
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通讯作者：
Amar Cheema
影响因子：
1.9
作者：
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通讯作者：
Menkhoff, Lukas