CAJ | 학술논문

本文采用清华大学中国金融研究中心（CCFR）“中国家庭金融研究调查”数据，构建逐步回归Lo-gistic模型，分析信用卡使用行为的影响因素。研究的主要结果和启示是：不确定性导致的预防性动机会显著影响信用卡使用行为，有医疗保险的家庭使用信用卡的概率大大高于没有医疗保险的家庭；家庭总收入越高、教育程度越高，使用信用卡的概率越大；年轻人是使用信用卡的主力，特别是25—34岁的年轻人；企业及公司的管理者、工人和普通员工、个体户和小企业主、自由职业者更倾向于使用信用卡。
본문채용청화대학중국금융연구중심（CCFR）“중국가정금융연구조사”수거，구건축보회귀Lo-gistic모형，분석신용잡사용행위적영향인소。연구적주요결과화계시시：불학정성도치적예방성동궤회현저영향신용잡사용행위，유의료보험적가정사용신용잡적개솔대대고우몰유의료보험적가정；가정총수입월고、교육정도월고，사용신용잡적개솔월대；년경인시사용신용잡적주력，특별시25—34세적년경인；기업급공사적관리자、공인화보통원공、개체호화소기업주、자유직업자경경향우사용신용잡。
This paper analyses the factors affecting credit card users’ behavior by building a stepwise regression Logistic model and using the data of“financial research survey on Chinese family”collected by Tsinghua University China Financial Research Center (CCFR) .The main results and implications of the study are as follows:the precau-tionary motive caused by uncertainty will influence credit card users’behaviorsignificantly. The probability of families with medical insuranceusing a credit card is much higher than these without medical insurance. The higher the house-hold income or the higher education level is, the higher the probability of using a credit card is. The young people are the main force in the use of credit cards,especially these aged between 25 and 34 years old. The corporate managers, the self-employed and small business owners and the free professional tend to use the credit card more.