(18.206.177.17) 您好!臺灣時間:2021/04/16 22:31
字體大小: 字級放大   字級縮小   預設字形  
回查詢結果

詳目顯示:::

我願授權國圖
: 
twitterline
研究生:黃鈺茹
研究生(外文):Huang, Yuju
論文名稱:影響分期付款之心理因素-以中低價位消費為例
論文名稱(外文):Psychological Factors Of Using Installment Payment On Small Or Medium Bills
指導教授:黃麗霞黃麗霞引用關係
指導教授(外文):Huang, Lishia
口試委員:鄭士蘋林育則
口試委員(外文):Jeng, ShihpingLin, Yutse
口試日期:2010-06-16
學位類別:碩士
校院名稱:輔仁大學
系所名稱:企業管理學系管理學碩士班
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2011
畢業學年度:99
語文別:中文
論文頁數:67
中文關鍵詞:分期付款金錢態度債務信用
外文關鍵詞:Installment PaymentMoney ValueDebtCredit Card
相關次數:
  • 被引用被引用:4
  • 點閱點閱:298
  • 評分評分:系統版面圖檔系統版面圖檔系統版面圖檔系統版面圖檔系統版面圖檔
  • 下載下載:0
  • 收藏至我的研究室書目清單書目收藏:0
  分期付款為目前消費者市場中相當普遍的支付條件。分期付款提供消費大眾更具彈性的預算,減輕了消費者的財務困難。隨著時代的演進,大眾對分期付款的接受度逐漸提高,分期付款繳納的範圍已從高價格的房屋貸款、汽車貸款走向一般中低價位之消費,如:旅遊費用、家庭購物支出等等。過去有許多文獻在討論信用卡,但對於分期付款之相關研究仍相當匱乏,且大多著重在財務面,尚未有學者針對中低消費分期付款之態度進行討論。此外,由於高價位消費並非一般消費者所能負擔,多數消費者因財務因素而使用分期付款。因此本研究排除高價位消費,以中低價位之消費為例,試圖探索財務因素之外可能會影響分期付款態度之心理因素,並連結分期付款之態度與分期付款之意圖。
  在彙整分期付款、金錢態度、債務及信用的相關研究後,本研究找出可能影響分期付款態度之心理因素。在金錢態度的相關研究中,萃取出「保留時間」及「不信任之金錢態度」,自債務的文獻中找到「主觀財務狀況」、「時間向度」以及「對債務的態度」,從信用的相關研究中抽取「使用信用卡的謹慎性」與「對信用的態度」。
  本研究採問卷調查法,回收有效問卷389份,運用LISERL軟體做為線性結構模式之分析工具,而研究結果顯示本架構之整體配適度良好
(NFI=0.93、NNFI=0.95、CFI=0.96、IFI=0.96、GFI=0.90、AGFI=0.87、
RMSEA=0.06)。研究結果發現,較差的主觀財務狀況、較長的保留時間、金錢態度較不信任他人、時間向度較低以及債務與信用的態度較佳會產生較正面的分期付款態度。而分期付款態度與分期付款之意圖兩者呈現正相關,表示較好的分期付款態度會導致較高的分期付款意圖。本研究結果可提供對分期付款有興趣之學者作為參考,另外,本研究亦包含行銷意涵及對未來研究的建議。

  This study explores the psychological factors that using installments to pay small or medium bills. Traditionally, consumers use installments only when buying a house or a car since the amount is large; however, in recent years, many retailers and commercial banks encourage consumers to shop in installments by credit cards, even for affordable or small amounts. Prior research about installment or credit usually focused on large bills and may not clearly explain why some consumers would like to use installment on small or medium bills. The major causes may be psychological instead of economical. Understanding the factors affecting attitude of using installment on small- or medium- priced consumption might fill the gap of previous literature. This study thus focuses on the psychological factors of using installments by reviewing the studies about installment, money value, and factors that influence debt and credit, trying to extract some factors which may influence installment intention on small or medium bills. This study selects several factors such as “retention time of money value”, “distrust of money value”, “time horizons”, “debt attitude and credit attitude”, “cautiousness of using credit card”, and “subject financial situation”. We conducted a survey and used structural equation modeling to test the hypotheses. The analytical results suggest that subject financial situation, time horizons related negatively to installment attitude. Retention time of money value, distrust of money value, and attitude toward debt and credit related positively to installment attitude. Besides, installment attitude also positively related to installment intention. Managerial implications and future research suggestions are also provided.
目 錄
第 壹 章 緒論 1
第 一 節 研究動機 1
第 二 節 研究目的 2
第 貳 章 文獻探討 4
第 一 節 分期付款之相關研究 4
第 二 節 金錢價值觀 6
第 三 節 債務 10
第 四 節 信用 20
第 五 節 研究架構及假說推論 24
第 參 章 研究方法 30
第 一 節 研究變數的定義與衡量 30
第 二 節 研究設計 34
第 肆 章 分析與結果 36
第 一 節 樣本結構描述 36
第 二 節 測量模式結果 38
第 三 節 路徑模式與假說結果 42
第 伍 章 研究結論與建議 46
第 一 節 結論 46
第 二 節 對學術研究的貢獻 47
第 三 節 對行銷實務的意涵 48
第 四 節 研究限制與未來研究建議 50
參考文獻 52
附錄-問卷 65


表 目 錄
表 3-1-2 主觀財務狀況的衡量 30
表 3-1-2 保留時間的衡量 31
表 3-1-3 不信任之金錢態度的衡量 31
表 3-1-4 時間向度的衡量 32
表 3-1-5 對債務及信用的態度的衡量 32
表 3-1-6 使用信用卡的謹慎性的衡量 33
表 3-1-7 分期付款態度的衡量題項 33
表 3-1-8 使用分期付款之意圖的衡量 34
表 4-1-1 樣本結構分佈 37
表 4-1-2 受訪者信用與分期付款使用行為 38
表 4-2-1 測量模式結果 40
表 4-2-2 構念間之相關(PHI值) 42
表 4-3-1 路徑模式配適度指標 43
表 4-3-2 路徑模式假說檢定 44


圖 目 錄
圖 2-5-1 本研究架構圖 29
圖 4-3-1 本研究架構圖 45



參考文獻
中文部分
1.朱家賢(2000)。促銷性廣告、產品品牌聯想形象、消費者屬性對廣告效果影響之研究。東吳大學企業管理學系未出版碩士論文,台北市。
2.邱芸書(2005)。分期付款買賣對不同世代消費者知覺價值影響之研究。中國文化大學國際企業管理研究所末出版碩士論文,台北。
3.徐素貞(2008)。付款機制、產品種類與參考價格對付款情緒之影響。天主教輔仁大學管理學研究所未出版碩士論文,台北。
4.高國軒(2002)。訊息建構不對稱性與產品利益對組合產品使用行為之影響。國立台灣大學商學研究所未出版碩士論文,台北。
5.候秋敏(2003)。時間效應與產品涉入對訊息建構不對稱組合。國立台灣大學商學研究所未出版碩士論文,台北。
6.游翔瑋(2004)。票卷格式與飽足感對組合產品使用意願之影響。國立台灣大學商學研究所未出版碩士論文,台北。


網路部分
1.旅展買汽車旅館套票「新開的」加價1千元(2010.01.01) 。 東森新聞報。 (2010.01.10) 。 取自:網址: http://tw.news.yahoo.com/article/url/d/a/100101/17/1y0ge.html
2.99年11月份信用卡、現金卡業務相關資訊(2010.12.30) 。行政院金融管理委員會。取自:網址:
http://www.fsc.gov.tw/Layout/main_ch/News_NewsContent.aspx?NewsID=41590&path=2794&LanguageType=1


英文部分
1.Adcock, W. O., Hirschman, E. C., & Goldstucker, J. C. (1977). Bank credit card users: An updated profile. In W. D. Perreault, Jr (ed.), Advances in Consumer Research. Atlanta: Association for Consumer Research, 4.
2.Anderson, J. C . (1987). An approach for confirmatory measurement and structural equation modeling of organizational properties. Management Science, 33(4), 525-541.
3.d'Astous, A. (1990). An inquiry into the compulsive side of "normal" Consumers. Journal of Consurner Policy, 13(1), 15-31.
4.Ajzen, I., & Fishbein, M. (1977). Attitude-behavior relations: A theoretical analysis and review of empirical research. Psychological Bulletin, 84(5), 888-918.
5.Awh, R. Y., & Waters. D. (1974). A discriminant analysis of economic and attitudinal characteristics of bank charge card holders: A case study. Journal of Finance, 29(3), 973-980.
6.Bagozzi, R. P., & Yi, Y. (1988). On the evaluation of structural equation
models. Journal of the Academy of Marketing Science, 16(1), 74-79.
7.Bagozzi, R. P., & Yi, Y. (1989). The degree of intention formation as a moderator of the attitude-behavior relationship. Social Psych. Quarterly, 52(4), 266-279.
8.Baumeister, R. F. (2002). Yielding to temptation: Self-control failure, impulsive purchasing, and consumer behavior. Journal of Consumer Research, 28(4), 670-676.
9.Baumgartner, H., & Homburg, C. (1996). Applications of structural equation modeling in marketing and consumer research: A review. International Journal of Research in Marketing, 13(2), 139-161.
10.Bernthal, M. J., Crockett, D., & Rose, R. L. (2005). Credit cards as lifestyle facilitators. Journal of Consumer Research, 32(1), 130-145.
11.Berthoud, R., & Kempson, E. (1990). Credit and debt in Britain. Report of first findings from PSI survey. London: Policy Studies Institute.
12.Bird, E., Hagstrom, P. A., & Wild, R. (1997). Credit cards and the poor. Discussion Paper, 1148-1197. Institute for Research on Poverty Discussion, University of Wisconsin, Madison.
13.Bock, G. W., Zmud, R. W., Kim, Y. G., & Lee, J. N. (2005). Behavioral intention formation in knowledge sharing: Examining the roles of extrinsic motivators. Social-Psychological Forces, and Organizational Climate, MIS Quarterly, 29 (1), 87-111.
14.Boddington, L., & Kemp, S. (1999). Student debt, attitudes toward debt, impulsive buying, and financial management. New Zealand Journal of Psychology, 28(2), 89-93.
15.Bridges, S., & Disney, R. (2004). Use of credit and arrears on debt among low‐income families in the United Kingdom: An empirical analysis. Fiscal Studies, 25(1),1-25.
16.Brown, S., Garino, G, Taylor, K., & Wheatley Price, S. (2005). Debt and financial expectations: An individual and household level analysis. Economic Inquiry, 43(1), 100-120.
17.Brown, S., Taylor, K., & Wheatley Price, S. (2005). Debt and distress evaluating the psychological cost of credit. Journal of Economic Psychology, (26)5, 642-663.
18.Browne, M. W., & Cudeck, R. (1993). Alternative ways of assessing model fit. In K. A. Bollen, & J. S. Long (Eds.), Testing structural equation models (pp.136-162). Newbury Park , CA : Sage.
19.Canner, G. B., & Cyrnak, A.W. (1986). Determinants of consumer credit card use patterns. Journal of Retail Banking, 8(1), 9-18.
20.Calem, P. S., & Mester, L. J. (1994). Search, switching costs, and the stickiness of credit card interest rates. (Working Paper No. 92-24). Philadelphia: Federal Reserve Bank of Philadelphia.
21.Callender, C., & Jackson, J. (2005). Does the fear of debt deter students from higher education? Journal of Social Policy, 34 (4), 509-540.
22.Cameron, S., & Golby, D. (1990). Correlates of overcommitment in a sample of crisis debtors. In S.E.G. Lea, P. Webly & B. M. Young(Eds.), Applied economic psychology in the 1990s. Exeter, UK: Washington Singer.
23.Carmines, E. G., & McIver, J. P. (1979). Unobserved variables. In G. W. Bohrnstedt, & E. F. Borgatta (Eds.). Social measurement: Current issues. Beverly Hills , CA : Sage.
24.Chien, Y. W., & Devaney, S. A. (2001).The effects of credit attitude and social economic factors on credit card and installment debt. Journal of Consumer Affairs, 35(1), 162-179.
25.Cronin, J. J., Brady, M. K., G., & Hult, T. M. (2000). Assessing the effects of quality, value, and customer satisfaction on consumer behavioral intentions in service environments. Journal of retailing, 76(2), 193-218.
26.Crook, J.(2001). The demand for household debt in the USA: Evidence from the 1995 survey of consumer finance. Applied Financial Economics, 11(1), 83-91.
27.Danes, S. M., & Hira, T. K., (1990). Knowledge, beliefs, and practices in the use of credit cards. Home Economics Reseurch Journal, 18(3), 223-235.
28.Davies, E., & Lea, S. E. G. (1995). Student attitudes to student debt. Journal of Economic Psychology, 16(4), 663-679.
29.Deshpande, R. & Krishnan. S. (1980). Consumer impulse purchase and credit card usage: An empirical investigation using the log linear model. In J. C. Ozlson (ed.), Advances in Consumer Research (pp.792-795). Ann Abor: Association for Consumer Research, 7.
30.Dessart, W., & Kuylen, A. (1986). The nature, extent, causes, and consequences of problematic debt situations. Journal of Consumer Policy, 9(3), 311-334.
31.Fishbein, M., & Ajzen, I. (Eds.). (1975). Belief, attitude, intention, and behavior: An introduction to theory and research. Reading, MA: Addison-Wesley Pub. Co.
32.Eckel, C., Johnson, C., Montmarquette, C., & Rojas, C. (2007). Debt aversion and the demand for loans for post-secondary education. Public Finance Review, 35(2), 233-262.
33.Feinberg, R. A. (1986). Credit cards as spending facilitating stimuli: A conditioning interpretation. Journal of Consumer Research, 13(3), 348-356.
34.Forman, N. (1987). Mind over money. Toronto: Doubleday.
35.Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of marketing research, 18(1), 39-50.
36.Friedman, M. (1957). A theory of the consumption function. Princeton: Princeton University Press.
37.Furnham, A. (1984). Many sides of the coin: The psychology of money usage. Personality and Individual Differences, 5(5), 501-509.
38.Goldberg, H., & Lewis, R. T. (1978). Money madness: The psychology of saving, spending, loving and hating money. NY: William Morrow and Company.
39.Goldsmith, R. E., Goldsmith, E. B., & Heaney, J. G. (1997). Sex differences in financial knowledge: A replication and extension. Psychological Reports, 81(3), 1169-1170.
40.Godwin, D. D. (1997). Dynamics of households' income, debt, and attitudes toward credit, 1983-1989. Journal of Consumer Affairs, 31(2), 303-325.
41.Godwin, D. D. (1998). Household debt quintiles: Explaining changes 1983- 1989. The Journal of Consumer Affairs, 32(2), 369-93.
42.Gourville, J. T. (1998). Pennies-a-day: The effect of temporal reframing on transaction evaluation. Journal of Consumer Research, 24(4), 395-408.
43.Hamburger, M. J., & Zwick, B. (1997). Installment credit controls, consumer expenditures and the allocation of real resources. The Journal of Finance, 32(5), 1557-1569.
44.Hanley, A., & Wilhelm, M. S. (1992). Compulsive buying: An exploration into self-esteem and money attitudes. Journal of Economic Psychology, 13(1), 5-18.
45.Hartropp, A., Hanna, R., Jones, S. & Lang, P. (1987). Families in debt: The nature, causes and effects of debt problems and policy proposals for their alleviation. Jubilee Centre Research Paper No. 7. Cambridge: Jubilee Centre Publications.
46.Hayo, B., & Seifert, W. (2003). Subjective economic well-being in Eastern Europe. Journal of Economic Psychology, 24(3), 329-348.
47.Hayhoe, C. R., Leach, L. J., & Turner, P. R. (1999). Discriminating the number of credit cards held by college students using credit and money attitudes. Journal of Economic Psychology, 20(6), 643-656.
48.Hayhoe, C. R., Leach, L. J., Turner, P. R., Bruin, M. J., & Lawrence, F. C. (2000). Differences in spending habits and credit card use of college students. Journal of Consumer Affairs, 34(1), 113-134.
49.Henry, R. A., Weber, J., & Yarbrough, D. (2001). Money management practices of college students. College Student Journal, 35(2), 244-249.
50.Hira, T. K., Fitzsimmons, V. S., Hafstrom, J. L., & Bauer, J. W. (1993). Factors associated with expectations of household’s future financial condition. Journal of Family and Economic Issues, 14(3), 237-256.
51.Hirschman, E. C. (1979). Differences in consumer purchase behavior by credit card payment system. Journal of Consumer Research, 6(1), 58-66.
52.Hirschman, E. C., & Goldstucker, J. L. (1978). Bank credit card usage in department stores: An empirical investigation. Journal of Retailing, 54(2), 3-12.
53.Hunt, J. M., Florsheim, R. A., Chatterjee, A., & Kernan, J. B. (1990). Credit cards as spending-facilitating stimuli: A test and extension of Feinberg’s conditioning hypothesis. Psychological Reports, 67(1), 323-330.
54.JumpStart Coalition for Personal Financial Literacy. (2002). 2002 Jump-start questionnaire. Washington, DC: JumpStart.
55.Katona, G. (Ed.). (1975). Psychological economics. NY: Elsevier.
56.Kahneman, D., & Tversky, A. (1979). Prospect theory: An analysis of decision under riks. Econometrica, 47(2), 363-391.
57.Kirkcaldy, B., & Furnham, A. (1993). Predictors of beliefs about money. Psychological Reports, 73(3), 1079-1082.
58.Lane, R. E.(1991). The market experience. NY: Cambridge University Press.
59.Lange, C., & Byrd, M. (1998). The relationship between perceptions of financial distress and feelings of psychological well-being in New Zealand university students. International Journal of Adolescence and Youth, 7(3), 193-209.
60.Lea, S. E. G., Webley, P., & Levine, R. M. (1993). The economic psychology of consumer debt. Journal of Economic Psychology, 14 (1), 85-119.
61.Lea, S. E. G., Webley P., & Walker, C. M. (1995). Psychological factors in consumer debt:Money management, economic socialization, and credit use. Journal of economic psychology, 16(4), 681-701.
62.Lewis, A., & van Venrooij, M. (1995). A note on the perceptions of loan duration and repayment. Journal of Economic Psychology, 16(1), 161-168.
63.Livingstone, S. M., & Lunt, P. K. (1991). Generational and life cycle differences in experiences of ownership. Journal of Social Behavior and Personality, 6(6), 165-186.
64.Livingstone, S. M., & Lunt, P. K. (1992). Predicting personal debt and debt repayment: Psychological, social, and economic determinants. Journal of Economic Psychology, 13(1), 111-134.
65.Lunt, P. K. & Livingstone, S. M. (1991). Everyday explanations for personal debt: A network approach. British Journal of Social Psychology, 30(4), 309-323.
66.Marmot, M., Ryff, C. D., Bumpass, L. L., Shipley, M., & Marks, N. (1997). Social inequalities in health: Next questions and converging evidence. Social Science and Medicine, 44(6), 901-910.
67.Martin, T., & Kirkcaldy, B. F. (1998). Gender differences on the EPQ-R and attitudes to work. Personality and Individual Differences, 24(1), 1-5.
68.Mathews, H. L., & Slocum, J. W. (1969). Social class and commercial bank credit card usage. The Journal of Marketing, 33(1), 71-78.
69.Mathews, H. L., & Slocum, J. W. (1970). Social class and income as indicators of consumer credit behavior. Journal of Marketing, 34(1), 69-74.
70.Mathews, H. L., & Slocum, J. W. (1972). A rejoinder to social class or income? Journal of Marketing, 36(1), 69-70.
71.Mischel, W. (1958). Preference for delayed reinforcement: An experimental study of a cultural observation. Journal of Abnormal and Social Psychology, 56(1), 57-61.
72.Mitchell, T. R., & Mickel, A. E. (1999). The meaning of money: An individual-difference perspective. Academy of Management Review, 24(3), 568-578.
73.Newcomb, T. M. (1943). Personality and social change. NY: Dryden.
74.Norton, C. M. (1993). The social psychology of credit. Credit World, 82(1), 18-22.
75.Norvilitis, J. M., Merwin, M. M., Osberg, T. M., Roehling, P. V., Young, P. & Kamas, M. M. (2006). Personality factors, money attitudes, financial knowledge, and credit-card debt in college students. Journal of Applied Social Psychology, 36(6), 1395-1413.
76.Norvilitis, J. M., Szablicki, P. B., & Wilson, S. D. (2003). Factors influencing levels of credit card debt in college students. Journal of Applied Social Psychology, 33(5), 935-947.
77.Nunnally, J. C. (1978). Psychometric theory(2nd ed.), NY: McGraw-Hill Book Company.
78.O’Guinn, T. C., & Faber, R. J. (1989). Compulsive buying: A phenomenological exploration. Journal of Consumer Research, 16(2), 147-157.
79.Okada, E. M., & Hoch, S. J. (2004). Spending time versus spending money. Journal of Consumer Research, 31(2), 313-323.
80.Ouellette, J. A., & Wood, W. (1998). Habit and intention in everyday life: The multiple processes by which past behavior predicts future behavior. Psychological bulletin, 124(1), 54-74.
81.Parker, G. (1988). “Credit” In R. Walker, & G. Parker (eds.), Money matters: income, wealth and financial welfare. London: Newbury Park, Calif.
82.Parker, G. G. C., & Shay, R. P. (1974). Some factors affecting awareness of annual percentage rates in consumer installment credit transactions. Journal of Finance, 29(1), 217-225.
83.Pahl, J. (1995). His money, her money: Recent research on financial organisation in marriage. Journal of Economic Psychology, 16(3), 361-376.
84.Patel, N. B. (2004). A guide to the final installment of the HIPAA trilogy-the security regulation. Journal of Health Care Compliance, 6(4), 13-18.
85.Patrick, V. M., & Park, C. W. (2006). Paying before consuming: Examining the robustness of consumers’ preference for prepayment. Journal of Retailing, 82(3), 165-175.
86.Payne, R. L., & Jones, J. G. (1987). Social class and reemployment: Change in health and perceived financial circumstance. Journal of Organizational Behavior, 8(2), 175-184.
87.Pinto, M. B., Parente, D. H., & Palmer, T. S. (2000). Materialism and credit card use by college students. Psychological Reports, 86(2), 643-652.
88.Pinto, M. B., Parente, D. H., & Palmer, T. S. (2001). College student performance and credit card usage. Journal of College Student Development, 42(1), 49-58.
89.Plummer, J. T. (1971). Life style patterns and commercial bank credit card usage. The Journal of Marketing, 35(2),35-41
90.Prelec, D., & Loewenstein, G. (1998). The red and the black: Mental accounting of savings and debt. Marketing Science, 17(1), 4-28.
91.Prince, M. (1993). Women, men, and money styles. Journal of Economic Psychology, 14(1), 175-182.
92.Ray, J. J., & Najman, J. M. ( 1986). The generalizability of deferment of gratification. The Journal of Social Psychology, 126(1), 117-119.
93.Richins, M. L., & Rudmin, F. W. (1994). Materialism and economic psychology. Journal of Economic Psychology, 15(2), 217-231.
94.Roberts, J. A., & Jones, E. (2001). Money attitudes, credit card use, and compulsive buying among American college students. The Journal of Consumer Affairs, 35(21), 213-240
95.Roberts, R., Golding, J., & Towell, T. (1988). Student finance and mental health. The Psychologist, 11(10), 489-491.
96.Romal, J. B., & Kaplan, B. J. (1995). Differences in self-control among spenders and savers. Psychology: A Journal of Human Behavior, 32(2), 8-17.
97.Sciortino, J. J., Huston, J. H., & Spencer, R. W. (1987). Perceived risk and precautionary demand for money. Journal of Economic Psychology, 8(3), 339-346.
98.Seaward, H. G. W., & Kemp, S. (2000). Optimism bias and student debt. New Zealand Journal of Psychology, 29(1), 17-19.
99.Smith, J. B., & Barclay, D. W. (1997). The effects of organizational differences and trust on the effectiveness of selling partner relationships. Journal of Marketing, 61(1), 3-22.
100.Soman, D., & Gourville, J. T. (1998). Payment depreciation: The behavioral effects of temporally separating payments from consumption. Journal of Consumer Research, 25(2), 160-174.
101.Stradling, S. (2001). The psychological effects of student debt. In A. Scott, A. Lewis, & S. Lea (eds.), Student debt: The causes and consequences of undergraduate borrowing in the UK (pp. 59-75). Bristol: The Policy Press.
102.Strayhorn, J. M. (2002). Self-control: Theory and research. Journal of the American Academy of Child and Adolescent Psychiatry, 41(1), 7-16.
103.Sullivan, A. C. (1982). Consumer bankruptcy study II: Personal bankruptcy: Causes, costs and benefits. Consumer Bankruptcy Study, 2(Monograph No. 24). Lafayette: Purdue University, Credit Research Center.
104. Sullivan, T. A., Warren, E., & Westbrook, J. L. (1989). As we forgive our debtors. NY: Oxford University Press.
105.Tang, T. L. P. (1992). The meaning of money revisited. Journal of Organizational Behavior, 13(2), 197-202.
106.Tang, T. L. P. (1993). The meaning of money: Extension and exploration of the money ethic scale, in a sample of university students in Taiwan. Journal of Organizational Behavior, 14(1), 93-99.
107.Tang, T. L. P. (1995). The development of a short money ethic scale: Attitudes toward money and pay satisfaction revisited. Personality and Individual Differences, 19(6), 809-816.
108.Thaler, R. H. (1985). Mental accounting and consumer choice. Marketing Science, 4(3),199-244.
109.Tokunaga, H. (1993). The use and abuse of consumer credit: Application of psychological theory and research. Journal of Economic Psychology, 14(2), 285-316.
110.Tversky, A., Sattath S., & Slovic P. (1988). Contingent weighting in judgment and choice. Psychological Review, 95(3), 371-384.
111.Walker, C. M., Lea S. E. G., & Webley, P. (1992, August). An interview study of the origins of problem debt. Paper read at the conference of the International Association for Research in Economic Psychology, Frankfurt, Germany.
112.Warneryd, K. (1989). On the psychology of saving: An essay on economic behavior. Journal of Economic Psychology, 10(4), 515-541.
113.Warwick, J., & Mansfield, P. (2000). Credit card consumers: College students’ knowledge and attitude. Journal of Consumer Marketing, 17(7), 617-626.
114.Weich, S., & Lewis, G. (1998). Poverty, unemployment, and common mental disorders: Population based cohort study. British Medical Journal, 317(7151), 115-119.
115.Wiley, J. B., & Richard, L. M., (1974). Application of discriminant analysis in formulating promotional strategy for bank credit cards. In M. J. Schlinger (ed.), Advances in Consumer Research. Provo, UT: Association for Consumer Research, 2.
116.Wong, A., & Carducci, B. J. (1991). Sensation seeking and financial risk taking in everyday money matters. Journal of Business and Psychology, 5(4), 525-530.
117.Yamauchi, K. T., & Templer, D. I. (1982). The development of a money attitude scale. Journal of Personality Assessment, 46(5), 522-528.
118.Yieh, K. (1996). Who has a negative attitude toward installment debt in the US.? Proceedings of the American Council on Consumer Interests 42nd Annual Conference, (pp.135-140). Nashville, TN.
119.Zelizer, V. A. (Ed.). (1994). The social meaning of money. NY: Basic Books.
120.Zhang, Y. (1996). Responses to humorous advertising: The moderating effect of need for cognition. Journal of Advertising, 15(1), 15-32.

QRCODE
 
 
 
 
 
                                                                                                                                                                                                                                                                                                                                                                                                               
第一頁 上一頁 下一頁 最後一頁 top
無相關期刊
 
系統版面圖檔 系統版面圖檔