Determinants of the Willingness to Use Mobile Location-Based Services

This article develops 11 hypotheses on impacts of six customer characteristics on an individual’s willingness to use mobile location based services (LBS). Hypotheses are tested in a sample of 217 mobile communications customers in Germany who participated in a standardized online-survey. PLS analysis suggests that reported frequency of “on the move” information needs, perceived assessment of LBS in a customer’s social environment and extent of past use of other mobile data services have statistically as well as practically significant effects on adoption intentions for pull LBS. Data privacy risks and cost/bill size concerns are only weakly or not related to such intentions.     

Changes in the Credit Repayment Performance of Low Income Consumers: An Exploratory Study

This paper examined the credit behavior during the second year of a two-year study of bank credit card use by a group of low income consumers who had had a consumer education course. It reports findings about factors affecting changes in repayment practices over the two-year period. Different variables were found to affect repayment behavior at different points in time with elements from traditional credit scoring schemes becoming important in the second year of study.     

The Development and Use of a Regret Experience Measure to Examine the Effects of Outcome Feedback on Regret and Subsequent Choice

This research provides insight into the experience of regret and its influence on the decision maker's subsequent aversion to risk. First, a study is conducted in order to construct a reliable multi-item measure of regret and to demonstrate that different levels of outcome feedback result in different levels of regret. A second experiment tests the validity of the regret experience measure (REM) by examining whether considering the degree of regret experienced by the respondent on a prior decision better explains subsequent choices and judgments involving risk than considering the effects of outcome feedback alone. The results of the experiment indicate that 1) the REM is both a reliable and valid measure of regret and 2) decision behavior can be better understood when both outcome feedback and regret resulting from that feedback (or the lack of feedback) are considered. Finally, the implications of these results and directions for future research are discussed.     

Credit card usage and consumer debt burden of households

The primary objectives of this study were to examine changes in credit card usage and the amount of debt between 1982 and 1986 and to identify factors influencing the amount of and changes in consumer debt held by households. Personal interviews were completed in 1982 and again in 1986 with the money managers of households in a small midwestern town in the U.S.A. The sample consisted of the 123 households that were represented both in the 1982 and 1986 surveys. Paired-samples t-tests were used to identify changes over time. Significant differences were found between 1982 and 1986 total household assets and total amount of debt. Regression analysis indicated that significant predictors of the amount of consumer debt burden were age, net income, total assets, and the degree to which managers felt comfortable with debt. Younger money managers were more likely to make larger monthly debt payments and have more consumer debt. Households with larger incomes and higher levels of assets also had higher total debt. Significant predictors of change in debt burden over the 4-year period were change in net income and total assets, with year-end savings being negatively correlated with consumer debt.     

Household Use of Open-End Credit to Finance Risk

The use of open-end consumer credit to finance risk is becoming increasingly popular, but has long been overlooked in the literature on household risk management. This paper derives explicit conditions under which credit financing is superior to insurance policies, product service plans, and self-insurance as a means of financing risk. Implications for consumers, manufacturers, insurers, creditors, and public policymakers are discussed.     

The Effects of Credit Attitude and Socioeconomic Factors on Credit Card and Installment Debt

Most previous research on credit use has examined the effect of socioeconomic and attitude variables without considering the possible correlation among these factors. Also, the studies have not considered whether there is a difference between general and specific attitudes toward credit and the use of credit. This study addresses those problems and includes installment debt as well as credit card debt in the analysis. The study used data from the 1998 Survey of Consumer Finances. The findings show the higher the specific attitude index, the higher the outstanding credit card balances, and the more favorable the general attitude toward using credit, the higher the installment debt. The results suggest the need for greater awareness on the part of consumers and consumer educators on the influence of attitude in the use of credit.     

我国商业银行中间业务发展水平偏低问题研究

本文用银行间古诺博弈、斯威齐和柠檬市场三个模型,从国有商业银行通过将有较大定价自由的中间业务产品与没有定价权的存贷款产品做成打包产品,以获得事实上的产品定价权的方式实现其规模偏好,中间业务产品市场具有斯威齐模型特征,其他商业银行将会跟随国有商业银行的做法,以及我国商业银行与客户间存在严重的信息不对称导致客户降低消费意愿,分析了我国商业银行中间业务产品发展水平偏低的重要原因.商业银行中间业务产品的成本收益数据及数据包络分析与参数估计得出的经验证据支持了本文的论述.     

基于消费者需求与信息搜寻的消费者教育模型研究

本文结合消费者需求特点和信息搜寻两个维度,指出产品市场可分为易识实用产品市场、难识实用产品市场、易识享乐产品市场、难识享乐产品市场和未被考虑产品市场.企业应根据各类市场特征,制定有针对性的消费者教育策略.     

对高职旅游英语能力培养途径的几点思考

为适应国际旅游业而兴起的旅游英语在新的时代面临新的任务和挑战,如何在教学中突出交际能力的培养,提高听说能力,培养合格优秀的国际旅游人才是旅游英语教学不可回避的问题.通过分析旅游英语的特点,结合高职旅游管理专业旅游英语的教学实践,提出了视听法和交际教学法,探讨了如何有效进行旅游荚语教学的途径.     

基于收入分配现状的消费信贷功能分析

本文在理论上指出了消费信贷规模扩大与个人收入的不断增加有关，社会整体收入差距扩大将抑制消费信贷的消费功能而扩大投资功能，联系我国平均收入水平和收入分配的偏态分布格局，得出了目前消费信贷应配合收入分配状况循序渐进发展，发挥其扩大消费需求的功能，使其发挥消费启动的作用，最后，从收入分配角度提出了增加收入特别是扩大中等收入群体，以最大限度发挥消费信贷消费功能的政策建议。     

企业家能力、信用评级与中小企业信贷融资可获性——基于江浙地区中小企业问卷调查的经验研究

从企业家能力视角出发,以中小企业信用评级为桥梁,本文考察了企业家能力对中小企业信贷融资可获性的影响.理论分析发现,企业家能力可能通过"直接嵌入"与"间接嵌入"信用评级两条路径对中小企业信贷融资可获性产生影响.基于江浙地区中小企业问卷调查获得的经验数据,本文的经验研究证实了理论预期.本文结论为从企业家能力入手,完善基于中小企业信用评级的信贷融资技术,进而缓解中小企业融资难问题提供了有益的启示.     

Consumer Willingness to Pay for Local Designations: Brand Effects and Heterogeneity at the Retail Level

This study examines consumer willingness to pay (WTP) for packaged ice cream with local, private label, and national brands at the retail level. Data were collected through in-person surveys conducted at retail grocery outlets in Utah in 2012. Study results suggest that shoppers are willing to pay significantly more for the national and local brands over the retailer’s private label brand. In fact, the local brand with the state-sponsored designation (Utah’s Own) had a WTP equal to that of the national brand. The use of local designations or labels is important as shoppers were not willing to pay a premium for the local brands in absence of the locally produced or state-sponsored designation label. Additionally, consumer WTP for different brands and the degree of response to local designations varies substantially by consumer attributes. These differences suggest that locally designated products do not compete directly with private label products in the market. This study provides clear evidence of the value of state-sponsored designations, as well as locally produced labeling for food products marketed in a traditional retail setting.     

财政农业支出对农民收入的效应分析

提高农民收入是解决我国三农问题的重要手段,而农民收入能否提高与财政的支农政策密切相关。主要从财政农业支出的规模及其结构对农民收入的效应角度,找出了财政支农政策的问题,进而建议政府加大财政农业支出规模,形成稳定的增长机制,并且不断调整和优化财政支农资金结构。     

Differences in Spending Habits and Credit Use of College Students

In a study of college students, affective credit attitude (feeling about using credit cards) and gender influenced college students' credit purchasing. Affective credit attitude predicted the purchase of clothing, electronics, entertainment, travel, gasoline, and food away from home. Females purchased clothing; males purchased electronics, entertainment, and food away from home. Gender was more influential in predicting financial management practices than was affective credit attitude, with female students employing a greater number of financial practices. A path analysis model showed gender differences in the relationship between financial practices, financial stress, affective credit attitude, and the number of credit cards with a balance.     

论信用不足对我国需求不足的影响和对策

现实社会存在着严重的需求不足 ,造成的原因说法不一。与此同时 ,社会中也存在着严重的信用问题。需求不足实乃信用不足 ,要通过建立政府、企业等市场主体和公民的信用监控体系等机制 ,在全社会大力开展公民道德素质教育 ,提升整个社会的信用水平 ,降低投资风险 ,从而扩大银行和民间的投资 ,拉动需求。     

Effects of a Tax‐Time Savings Intervention on Use of Alternative Financial Services among Lower‐Income Households

Alternative financial services (AFS) such as check cashing and payday loans may help unbanked households meet transaction and credit needs, yet often at a very high price. Saving tax refunds can help low‐ and moderate‐income (LMI) households build emergency savings as a way to reduce dependence on AFS and cope effectively with irregular cash flows and financial shocks. This study examined the impact on AFS use of message‐based interventions encouraging LMI households to save their refunds when they electronically filed their federal income tax returns. We found that 3 out of 18 interventions resulted in statistically significant reductions in credit‐related AFS use with small effect sizes. None of the interventions resulted in reduced transaction‐related AFS use. Other factors—especially prior AFS use and financial shocks—were strong predictors of AFS. Financially vulnerable households may need additional opportunities and protections to reduce dependence on AFS.     

家庭代际支持对城市老年人异地养老意愿选择的影响研究

利用2010年中国城乡老年人口状况追踪调查数据,考察家庭代际支持对我国城市老年人异地养老意愿的影响.家庭代际支持的三个维度:经济支持、生活照料、情感支持与老年人异地养老意愿的选择具有显著相关,在经济支持和生活照料上给予子女较多支持以及这两方面获得子女较少支持、在情感支持上获得子女较少支持的老年人更愿意选择异地养老.家庭代际支持与老年人的异地养老意愿的关系还受到个人因素和社会因素的影响.对未来发展异地养老提出了针对性的建议.     

The Effects of Race,Education, and Income on Tipping Behavior

ABSTRACT

The purpose of this study is to find out if African Americans do tip less frequently than Whites and if income and education influence the relationship. Respondents were asked about the frequency of tipping and the reasons for tipping. The results suggest that race was a significant factor in the frequency of tipping servers, bartenders, luggage handlers, taxi drivers, and parking attendants. However, income and education tend to nullify these results. Overall the results suggest that while race may be a factor in some service transactions, much of the race effect be nullified by education and income.