Mansfield (2000) found that 1.4% of the college students surveyed felt credit cards are “the best thing man ever invented,” 68.6% felt they are “good if used correctly,” 21.2% felt “they were not the best way to manage your money,” and 8.2% felt “they are the worst thing man ever invented”. Older students were more likely than younger students to feel that credit cards were not the best way to manage money. Given the importance of credit in society in general and to the college student population in particular, the current study provides a valuable extension of knowledge regarding college students’ attitudes toward credit. Money Attitudes Research Researchers have examined money
论文网http://www.751com.cn/ attitudes and behaviors using different attitudinal and behavior measures. Yamauchi and Templer (1982) developed a psychometric Money Attitude Scale that measured five factors related to the attitudes individuals hold towards money. These factors were power/prestige, retention time, distrust, quality, and anxiety. The authors found money attitudes to be independent of a person’s income.
Related research has been conducted on credit and money attitudes. Tokunaga (1993) studied two groups of credit card users, those who had experienced severe financial problems and a control group who had not experienced such problems. Attitudes towards money were 本文来自辣.文~论-文·网原文请找腾讯32.49114 money as a source of power/prestige, experienced more anxiety about financial matters than the control group, and were less concerned about retaining money. The money attitude scale developed by Furnham in 1984 has been widely used. Furnham’s Money Beliefs and Behaviors Scale is a more inclusive scale initially developed to measure money beliefs and behavior in Britain. The scale consists of sixty items that are rated on a 7-point agree-disagree scale. The items are grouped into six factor areas: obsession, power/spending, retention, security, inadequacy, and effort/ability. Furnham noted that money attitudes are multidimensional and that demographic variables influence a person’s money beliefs and behaviors. Obsession and power/spending are significantly related to a person’s sex, age, and education. Males and less educated people tended to be more obsessed with money than their counterparts. Younger people are more likely to use money as a means of power than older people. Modified versions of Furnham’s scales have been employed with samples of adults and college students in the United States. Hayhoe et al. (1999) found that students with no credit cards are more likely to score higher on the money attitudes of obsession (emphasis on thinking about different aspects of money) and retention (not wanting to spend money even when it is available) than those with credit cards. Students with four or more cards are more likely to score higher on effort/ability, (one does deserve one’s income) than students with one through three credit cards. Yang and Lester found that students at a private university who scored higher on the money attitude of retention had fewer credit cards, partially confirming the results of Hayhoe et al. (1999). However, for state college students, the retention attitude was not related to the number of credit cards.
上一页 [1] [2] [3] [4] [5] 下一页
高校学生发行信用卡英文参考文献和翻译 第3页下载如图片无法显示或论文不完整，请联系qq752018766
