利用国内15个城市居民消费金融的调查数据,研究了国内信用卡市场上的逆向选择问题。在控制其他变量的条件下,研究了持卡人的信用额度和收入波动之间的关系,结果发现,收入波动较大的持卡人获得的信用额度反而较高,稳健性检验进一步验证了信用卡市场存在逆向选择的结论。此外,研究还证实,消费者的用卡行为对信用额度存在着显著影响。 Based on the survey data of consumer finance in 15 cities in China, this paper studies the adverse selection in the domestic credit card market. Under the condition of controlling other variables, the relationship between the credit limit of cardholders and the fluctuation of income is studied. The result shows that the credit limit obtained by the cardholders with larger income fluctuation is higher, and the robustness test further verifies the credit card The market has the opposite conclusion. In addition, the study also confirmed that consumer credit card behavior has a significant impact on credit.