基于问卷调查的大学生信用卡理念特征分析

信用卡消费作为一种全新的消费方式，在大学生中流通的时间不久，在蓬勃发展的大学生信用卡业务的背后,一些问题也日益显现， 例如“睡眠卡”，“卡奴”现象严重、银行对学生还款能力审查不严、学生消费缺乏自我控制能力、导致还款困难等等，如何解决这些问题,使大学生信用卡业务健康、快速发展,成为全社会需要思索的问题。大学生信用卡在大学生中的使用现状到底如何、大学生的消费状况是否会因为信用卡的流通而出现根本性的转变，是非常值得探究的。论文主要研究内容主要包括：简述我国信用卡的发展概况；分析我国银行的信用卡业务；通过调查论述目前大学生的消费水平及理财能力；分析信用卡在大学生中的普及程度，信用卡对大学生的消费观念和理财观念的影响；解析我国目前大学生信用卡业务制度以及发展前景和亟需改善之处。
关键词：透支；消费；还款；刷卡

College Students Credit Card Survey Analysis Report

Abstract:Credit card spending as a new consumption patterns, the flow of time in college students soon, but in the booming college students credit card business behind, some issues are increasingly apparent, such as "sleeping cards", "card slaves" phenomenon seriously, banks strict review of the repayment ability of the students, the students lack self-control spending, leading to difficulty in repayment, etc., how to solve these problems so that college students credit card business healthy and rapid development and become the whole community needs to ponder the question. College students use credit cards in college students how the status quo in the end, college students because of the consumption situation of whether the credit cards in circulation and a fundamental change is to be explored. Major research paper should include: brief overview of development of China's credit card; analysis of China's bank card business; through a survey of university students discussed the current levels of consumption and financial management capacity; analysis of credit card penetration among college students, credit cards for college students, and the consumption concept the impact of financial concepts; resolve China's current system of college students credit card business and the development prospects and the urgent need for improvement.
Key　words：overdraft；consumption；repayment；swipe

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