大學生使用信用卡現(xiàn)狀分析及對策—影響信用卡消費習慣的關(guān)鍵因素調(diào)查【開題報告+論文+外文及翻譯+文獻綜述+任務(wù)書】

摘  要

信用卡是整個銀行業(yè)的主導力量，它是由銀行或其它財務(wù)機構(gòu)發(fā)行的無需預(yù)先存款就可貸款消費的貸記卡，是一種可以先消費后還款的方式。我國在信用卡這一行業(yè)發(fā)展得比較晚，其中不少的研究作品都存在一定的局限性。從2007年，我國的銀行業(yè)有了一定的突破，提出了一些新的消費方式。但由于本身發(fā)展的時間不足，所以會存在很多的問題和缺陷。然而，現(xiàn)如今，大學生是最大的消費群體，幾乎每個大學生都擁有一張甚至更多的信用卡，大學生是最能夠代表整個市場消費水平的群體。對于這個課題的研究，我們采取組隊的形式，向在校大學生發(fā)放問卷，進行調(diào)查。了解大學生信用卡辦理的渠道、消費頻率等基本情況，并主要針對大學生信用卡消費習慣的影響因素，如距離商業(yè)區(qū)域的遠近、性別、消費理念、理財觀念等因素進行調(diào)查，以取得準確可靠的調(diào)查數(shù)據(jù)，最后分析大學生使用信用卡消費習慣所存在的問題，并提出相關(guān)的改進措施和建議。
關(guān)鍵詞：信用卡  大學生  消費現(xiàn)狀  影響因素

ABSTRACT

Credit cards are the leading force in the banking industry, it is by the bank or other financial institutions can be issued without pre-deposit loans for consumer credit, and consumer first, after a repayment can be a way. The development of this industry in China than in the credit card later, many of the research works are some limitations. From 2007, China's banking sector has been a definite breakthrough, made a number of new consumption patterns. However, because of their lack of development time, so there will be plenty of problems and defects. However, now, in college students is the largest consumer groups, almost every college students have one or more credit cards, college students can best represent the entire market consumption groups. Research into this issue, we have taken the form team, sent out questionnaires to college students, to investigate. Channels of college students credit card processing, consumption frequency of the basic situation and major credit cards for college students spending habits of factors, If the distance from the business district, gender, consumer ideas, to investigate factors such as financial management concepts in order to obtain accurate and reliable survey data, Students in the final analysis of spending habits by using a credit card problem, and propose measures for improvement and recommendations.
Key words: Credit card；college Students；Consumption and Current situation；
Key factors

 
目   錄
中文摘要 I
英文摘要 II
一 導論 1
（一）我國信用卡現(xiàn)狀 1
（二）信用卡的國內(nèi)外研究 1
（三）本報告研究的思路及內(nèi)容體系 3
二 問卷設(shè)計及調(diào)查手段與方法 5
（一）問卷設(shè)計 5
（二）調(diào)查手段及方法 5
三 大學生使用信用卡的調(diào)查結(jié)果 7
（一）大學生使用信用卡的調(diào)查概況 7
（二）大學生使用信用卡的消費現(xiàn)狀 10
四 影響大學生信用卡消費習慣的關(guān)鍵因素分析 13
（一）外在因素 13
（二）內(nèi)在因素 14
五 調(diào)查結(jié)果及相應(yīng)的措施建議 17
（一）調(diào)查結(jié)果分析總結(jié) 17
（二）信用卡消費的弊端及措施建議 18
六 總結(jié) 23
參考文獻 24
致  謝 25
附  錄 26