9 The Default Risk of College Students' Credit Card: Cases from University in Beijing
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Published:2011
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At present, the college students have gradually become an important customer base in the credit card market in China. It is known that there exist many default problems when college students use credit cards. This paper firstly summarizes the status quo of college students' usage of credit card and some relevant research results both in China and abroad. And then it gives the Sample source and statistical information. Furthermore, based on the consuming behaviour characteristics which are reflected in the questionnaire of College Students' Credit Card Consumption Behaviour Survey, it analyzes the reasons of the default risk using logistic regression model. Finally, paper gives the conclusion and some suggestions how to reduce the default risk of college students' credit card.