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消费贷款是一个国家的信贷投资体系中的重要组成部分,从根本上决定了该国的经济前景和信誉程度,在当今的社会中使用信贷方式已经被广泛接受。因此,研究不同社会群体对个人消费信贷在财务规划和消费方面的态度的差异性,对于研究学者和金融行业来说都具有重要意义。本文从不同社会群体和人口群体视角,分析了不同年龄、种族、宗教、婚姻状况,对于贷款在财务规划和消费方面所呈现出的态度差异,以及各个因素独立和综合的影响程度。从社会和人口的角度扩大了研究范围,包括对这些变量综合的研究,试图可以给出一个更好的结论。研究表明:年龄不能作为一个独立的因素去影响信贷的态度,但是,年龄和性别的综合因素对个人信贷的态度有较大影响,可以观察出老年人对信贷具有明显的保守态度;而婚姻状况、种族和宗教很大程度上取决于数据的准确性。因此,对于信贷的态度也取决于个人可支配收入、家庭规模、居民经济、信贷获得的便捷性等因素。
Consumer loans, an important part of a country’s credit investment system, fundamentally determine the country’s economic prospects and creditworthiness. The use of credit in today’s society has become widely accepted. Therefore, it is of great significance to research scholars and the financial industry to study the differences of attitudes of different social groups in the personal consumption credit in financial planning and consumption. From different social groups and population groups, this paper analyzes the differences of attitudes of different ages, races, religions and marital status to the financial planning and consumption of loans, and the independent and comprehensive impact of various factors. Expanding the scope of research from a social and demographic perspective, including a synthesis of these variables, attempts to give a better conclusion. Studies have shown that: Age can not act as an independent factor to influence the attitude of credit, but the combination of age and gender has a greater impact on the attitude of personal credit. It can be observed that the elderly have a clear conservative attitude towards credit. Marital status Ethnicity and religion depend very much on the accuracy of the data. Therefore, the attitude towards credit also depends on such factors as personal disposable income, family size, household economy and the availability of credit.