Research On The Credit Card Consumption Loan Demand Model

The fostering and development of the credit card consumption has a fierce relation with the demand of it. It is very important for commercial bank to grasp the factors that influence the credit card consumption and their transformation rule. The paper sets up the structural equation model of the credit card consumption loan demand. It further perfects the modeling of the quantitative analysis model with the qualitative and quantitative analysis of the credit card consumption model.First, the paper introduces the background of the research, and reviews the related theory research in of the problem of the credit card consumption demand. Then it expatiates and analyses the factors that influence the credit card consumption demand combined the credit card consumption character and the forward research, and this part sets a theory basis for the establishment of the credit card consumption loan demand model in the part.Following the set-up of the theory model, the paper sets up the credit card consumption loan demand model at the basis the material analysis and the former research. The credit card consumption demand model set up in this part embodies the characteristics of the factors that influence the credit card consumption demand. It is innovative using the questionnaire and the method of structural equation modeling and pioneers a new orientation for the field of the credit card research.Then, the paper carries on the demonstration analysis to the model set up. The credit card consumption loan demand model is estimated using the data from the questionnaires and the Lisrel software for the structural equation modeling. The credit card consumption loan demand model path is computed out based on every factor's influencing degree in the credit card consumption loan demand model, and it is a theory basis for the later analysis and advice.Finally the paper gets a conclusion and stays in further place of the research. The model set up can basically meet the actual request. Using the model, the paper computes the influence degree that every factor influences the credit card consumption loan demand, and also gives some advice on policy. The further place of research then points out the blemish that paper study currently, and provides the direction the guide line for the follow-up.