Ethical Issues in Credit Card Solicitation of College Students – The Responsibilities of Credit Card Issuers,Higher Education,and Students

Credit card companies aggressively solicit college students, without regardfor the consequences of high credit car debt for these customers. Theethical conflict of the sale of easy credit to college students too oftenresults in hazardous outcomes akin to the solicitation of youth by cigarettecompanies. This paper will investigate the dangers that credit card use presents to theyoung customer, the unethical manner in which the companies that issue these cards promote their products to this audience, and the role of institutions of higher education. A majority of students are not only using credit unwisely (average balances of over $1000 regardless of who reports the data) but are payingexorbitant interest (18%–22%). The credit card companies call this``responsible' use. They are collecting enough interest and fees to morethan cover losses resulting from bankruptcy. They use a variety ofmarketing techniques to lure college students – glitzy `MTV' type shows,free prizes and gifts, special interest rate offers, and now they can pretendthrough `educational services' to explain to college students why credit cards are important.This paper investigates the ethical considerations of credit card solicitationof college students as a result of research into factors that influence thenumber of credit cards held by these students. Current solicitation policiesof colleges and universities are also presented.     

对湖南省银行卡用卡情况的调查与思考——以长、常、衡三市为例

湖南省无论从率先开展银行卡助农取款服务,还是推广银行卡升级换代等都取得了一定成就。但也存在着持卡人用卡情况仍欠佳、用卡领域狭窄、服务欠完善、环境欠佳、法规环境欠优化等诸多问题。已成为银行卡产业发展的瓶颈。改变信用卡发展严重滞后现状,增加居民收入与改变消费观念,加大银行卡推广力度,加快银行卡产品创新,创造良好的银行卡受理和法规环境。拓展并规范信用卡市场无疑是一条有效途径。同时,应大力培养消费者良好用卡理念,避免“睡眠卡”的出现,提高持卡人用卡频率,增强用卡安全意识。推动银行卡产业的发展。     

大学生信用卡市场现状分析与营销对策

目前,我国大学生信用卡市场普遍存在睡眠卡问题。其原因在于信用卡产品功能单一,附加值开发不够。银行应根据大学生群体特征制定营销策略,从建立关系纽带,培养顾客忠诚度与归属感入手,引导大学生使用信用卡,达到对大学生信用卡的营销目的。     

当代大学生诚信观念的缺失及重构

当代大学生的诚信状况从总体上看是积极向上的,但也存在着诚信观念缺失的现象。应完善学校管理体制,充分发挥"两课"教学的主渠道作用,构建诚信有效的教育机制和与社会主义市场经济内在要求相适应的价值观教育体系,建立大学生诚信档案,使当代大学生诚信观念得以重构。这有助于完善大学生的人格和创造良好的社会环境,并对社会主义现代化建设的顺利实现有着十分重要的意义。     

大学生对互联网金融的认知和使用调查分析——以温州市高校为例

本文以温州市高校大学生为调查对象,通过设计问卷,统计分析了他们对互联网金融的认知和使用情况,得出了大学生对互联网金融的认知有待深入、互联网金融产品的使用范围较窄等结论。     

Structural adjustment programmes and human well‐being

This paper provides a primer on structural adjustment programmes (SAPs) anticipating that a deeper understanding of these policies enables home economists to influence the global trend for SAPs that is profoundly impacting human well‐being. It addresses the issue of what SAPs are (their intended and actual impact on family well‐being), provides five reasons why home economists should care about SAPs and tenders seven ideas for what we can do, as professionals, to mitigate the negative impact of SAPs on familial well‐being and human security.     

How Does Financial Literacy Impact Attitude Toward Student Loan Providers?

ABSTRACT

We examined whether financial literacy changes college students' assessments of their student-loan providers. As predictors in our backward regression, we included (a) financial literacy, (b) perceived importance of loan, (c) satisfaction with college, (d) financial optimism, (e) experience using credit cards, and (f) perceived importance of decisions about credit cards. We also included two-way interactions between financial literacy and the other variables. Our regression explained about 24% of the variance in the dependent variable. Our results indicated that financial literacy was a significant predictor of attitude toward the student loan provider—but only in the interaction terms.