| Summary: | 碩士 === 東吳大學 === 國際經營與貿易學系 === 96 === Since the 1997 Asian financial turmoil, the domestic banking sector to gradually shift consumer finance business, so that the credit card market booming, banks pursuit of profit and market share, a large number of credit cards issued consumer advocate, the people, the credit card is a regrettable necessities. As credit card and bank floating junk facilitate the fight card performance, adding fuel to the flames made it in the bank, large-scale use of unconsciously, have overconsumption behavior and trigger excessive credit expansion of the phenomenon. But a country's economic growth to be dependent on capital, preferably within the health of capital, savings in health is the capital, although the external capital can bring a country's economic growth, but to attract foreign investment is not easy to do, therefore, encourage savings to increase capital to promote growth. Modest savings to enable the supply of funds required for investment principles. The main purpose of this study is to examine relationship between the prevalence of credit card transactions and savings rates.
Based on 1997-2006 data for the samples, using Eviews software to be estimated, the main use of ordinary least squares regression equation is the function of the estimated appropriate to check whether the estimated significant factor, and using statistics Q, Q2 statistics, JB statistics Volume, and Durbin-Watson statistic, such as control, select the least-squares estimation model estimates.
The major conclusions are as follows：credit card revolving interest, credit card revolving balance have a net savings rate was Significant negative correlation that excessive expansion of consumer finance bank pursuit of profits, and substantial issue of credit cards household net savings rate will decline. Accept credit cards retail sales volume, credit card cash advance volume, ATM amount of transactions to the household have a net savings rate was Significant negative correlation that the issue evoked a lot of credit card holders excessive consumption will decline in household net savings rate.
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