| Summary: | 碩士 === 淡江大學 === 管理科學研究所企業經營碩士在職專班 === 93 === In the past, regulating expenses according to income was the main concept about consumption of Chinese, and Chinese even emphasized the importance of saving. However, the condition now is different. Credit card and cash card are widely used by burgeoning middle class people, or even teenagers, and people are more and more careless about their consumption debts. Over consumption caused by over advocacy of materialism value is gradually becoming the financial and economic problem of society.
Since government permitted the establishment of new banks, because of the joining of new competitors, all domestic banking institutions have actively developed new businesses to increase their revenue. Credit card and cash card are consumer banking product and commodities of global market, so banking institution issued the cards one after another. However, in order to pursue the increase of cards issued, applying conditions of every bank are very loose, and advertisements are more and more spurious and misleading, which makes consumers debt at will to consume and brings about a great pile of problems. Consumer’s incapability of paying the debt, bad debts accumulated in banks, depression people suffering from, and breakdown of families resulting from loans are all examples. Furthermore, institutions issuing the cards belong to financial business, so their operating directions, principles and strategies and their success or failure are closely related to people’s lives. The role they play in society is very important, and little flaws they make can cause national financial crises or significant troubles of society, so these institutions should put more emphases on ethics or moral principles of business.
This research probes into the importance of business ethic and social responsibility through study of documents. And this research examines whether institutions issuing the cards follow standards of business ethic or not in four aspects── if the promotion is proper, if deals are impartial, if advertisements are authentic, and if information is open. This research compiles information by way of questionnaire, studies by way of Correlation Analysis and Regression Analysis, and hope that these results can remind financial institutions in Taiwan to improve and government to supervise these institutions appropriately.
This research has the following related results:
1. Institution’s open level of information is directly proportional to the overuse of credit card and cash card.
2. Institution’s competition strategy is relevant to the use of credit card to revolving credit and cash card to ask for a loan.
3. Institution’s spurious level of advertisements is relevant to the use of credit card and cash card.
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