目标结构、信息干预与信用卡还款决策:来自实验室实验的证据The Effects of Goals Forms and Information Intervention on Credit Card Repayment Decision: Evidence from Laboratory Experiments
郭晓寒,吴晓琴,罗俊
摘要(Abstract)：
伴随消费观念的改变和信用支付的便捷化，过度借贷现象愈发突出，人们对多个债务还款时的非最优决策加剧了不良信贷的出现。本研究关注信用卡还款过程中优先偿还债务额更低信用卡，而不是偿还利率更低信用卡的非理性行为，探究这一行为的内在机理及干预措施。我们利用实验室实验方法，考察个体在面对不同目标结构下的还款决策，研究社会规范、外部激励等干预信息在个体还款决策过程中的作用。结果表明，人们在进行还款决策时会选择高利率低债务额的信用卡进行偿还；可通过目标结构和信息来改善非理性还款行为。
关键词(KeyWords)： 信用卡还款决策;目标结构;信息干预;实验室实验
基金项目(Foundation): 国家自然科学基金面上项目(72073117);; 浙江省软科学研究计划重点项目(2021C25041);; 浙江省自然科学基金青年项目(LQ20G030013)的资助
作者(Author): 郭晓寒,吴晓琴,罗俊
DOI: 10.16513/j.cnki.cje.2022.01.004
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- (1)还款进度百分比的分子为已偿还金额,分母为当前未偿还债务本息和与已偿还债务之和。
- (2)每还清10%的信用卡总债务指的是还清初始负债总金额与截止到当前的债务利息之和的10%。
- (3)每还清0.5张信用卡债务指的是还清该信用卡初始负债金额与截止到当前的债务利息之和的50%。
- (4)如果信用卡的还款额为0,并在此后轮次中产生了利息,那么该信用卡的还款进度算为0。