The effects of financial literacy on the borrowing behaviour of Turkish financial consumers

Our research attempts to measure the effects of financial literacy of Turkish financial consumers on the borrowing behaviour. A questionnaire is administered to a sample of 550 people in the city of Eskisehir. In‐depth interviews are undertaken with 10 financial consumers to support the findings. Findings of the study indicate differences in the borrowing behaviour of consumers with different levels of financial literacy. Considering the relationship between financial literacy and borrowing behaviour, we suggest that attempts to increase financial literacy of financial consumers may have important implications in the prevention of excessive borrowing.     

老年人居住方式及影响因素分析——以贵阳市为例

利用调查数据对贵阳市老年人居住方式及其影响因素进行分析。贵阳市老年人以居住在三代及以上户为主，夫妇户也占较大比重；老年人与子女居住的比重略高于不与子女居住的比重。在控制其他变量的情况下，住房条件、经济收入和与子女的关系状况三个因素对老年人的居住方式具有显著性影响。     

发达国家消费者权益法律保护审视及启示

随着社会的不断发展，有关消费者权益的法律保护正日益成为世界性的热门话题，对消费者权益进行法律保护的程度如何也已成为衡量现代国家文明程度的重要标志之一。为此，文章着重论述了我国对消费者权益进行专门立法保护的必要性和重要性、现行有关立法的不足等问题，并在此基础上提出了进一步完善有关立法的建议和对策。     

Unique but integrated: The role of individuation and assimilation processes in teen opinion leadership

Opinion leaders propel the diffusion of innovation and exert a significant influence on the marketplace. This influence is especially pronounced during adolescence, a period marked by increasing reliance on peers and the emergence of a tension between two countervailing needs: assimilation and individuation. A survey of 1142 adolescents reveals that these developmental needs affect adolescent opinion leadership in the critical clothing market. Adolescent opinion leadership relies on a balance between desires for assimilation (i.e., centrality within the peer network) and individuation (i.e., need for uniqueness); adolescents' susceptibility to peers' normative influence and gender moderate these relationships. Adolescents who occupy central positions within their peer network tend to be opinion leaders, though only if they are not susceptible to normative influence. Position within the peer network is a key for girls, whereas need for uniqueness is a key for boys. These differences implicate different approaches for managers targeting adolescent males and females.     

Why Do Some Households Save So Little? A Rational Explanation

This paper offers an explanation for the puzzle of low wealth holdings among a significant fraction of the elderly. Instead of invoking irrational, nonrational, or nonoptimal behavior to resolve the puzzle, it is shown that widespread low wealth holdings are consistent with a rational life-cycle model of saving with uncertain lifetime and borrowing constraint. When there is uncertainty about the length of life, it is optimal for some individuals to save little and exhaust their wealth early. The characteristics of these individuals are derived. The simulation results support that the model can account for low wealth holdings as well as early terminal wealth depletion. The analysis also rejects the common perception that uncertain lifetime reduces dissaving. Journal of Economic Literature Classification Numbers: D11, D91, E21, I12, J14.     

The impact of cognitive age on Internet use of the elderly: an introduction to the public policy implications

Despite the growth of the Internet, one area that has not really been discussed is the elderly's use of the Internet. Given the rapid growth of this population as well as the potential the Internet holds for them, it is a subject worth consideration. However, seniors cannot be defined simply by their chronological age, but by their cognitive age. This paper discusses the impact of cognitive age of a national random sample of American elderly consumers on their Internet use. The results suggest that those seniors with a younger cognitive age use the Internet more than those seniors with an older cognitive age. Additionally, seniors with a younger cognitive age have more social contact off‐line (but not online) than those seniors with an older cognitive age. Finally, in terms of demographic variables, chronological age is positively associated with cognitive age and women report a younger cognitive age than men. These results suggest that for policy makers interested in increasing the participation of seniors, they can utilize the Internet to reach those who are younger in terms of cognitive age; however, they will not be able to reach all seniors in this manner and they need to utilize the Internet as a complementing media to their traditional communication sources.     

Understanding attributes affecting meal choice decisions in a bundling context

This study examined attributes that contribute to consumer meal choice decisions within a prix fixe menu. Drawing on typologies of consumer purchase behavior, factors potentially influencing consumers’ meal choice are identified and empirically tested. The results showed that consumers consider value for price as the most important consideration for their meal bundle choices. The results also indicated that familiar and healthy foods also contribute to the selection process. However, consumers tend to avoid the risk of choosing new menu items.     

基于平台治理视角下的电子商务打假问题

21世纪的今天,电子商务的快速发展为网上交易平台的崛起提供了前所未有的机遇。然而,电子商务的快速发展也带了一些问题,电子商务平台假货不断涌现,严重损害了消费者的合法利益,所以在平台治理机制的视角下对电子商务的打假问题进行研究是十分必要的。通过对平台治理机制的叙述,了解当今电子商务发展现状以及假货问题存在的严重性,从内部和外部两个方面提出治理对策。切实解决这一问题,给出合理对策,对电子商务交易中如何保护消费者权益具有一定的参考意义。     

农村敬老院室内公共空间形态探索——以四川遂宁地区敬老院为例

通过对四川遂宁地区敬老院的实地调研,以老年人建筑的空间构成模式和特征为核心,围绕交通空间、活动空间、就餐空间、办公空间这4类公共空间类型,对农村敬老院的公共空间特性进行分析。针对现状存在的问题,探讨并提出对现有的农村敬老院建筑室内公共空间的改进措施,适当调整各类空间的功能配置,提出空间的利用率,以便更好地满足老年人的生活需要。     

消费者品牌依恋的影响因素研究

品牌依恋作为品牌关系管理的新视角,也是影响消费者品牌忠诚的重要因素.然而,目前关于品牌依恋的影响因素的研究尚不够系统.从消费者、品牌及消费者与品牌之间的关系三个角度出发,系统化的研究品牌依恋的影响因素,旨在为企业提出可行的营销建议,提升消费者的品牌依恋程度.