Research On Consuming Behavior Of The High-end Customers Of Credit Card

With the growing proportion of the amount of consumption of credit card to that of retail sales, consuming behavior has become research focus. Besides, related research shows that the higher-end customers prefer to pay in credit with the comparison of that the lower-end customers prefer to customer credit when using credit card. As a result, it is of greater importance and academic significance to research on high end customer of credit card. I do this research using high quality data of internal management of bank, to make up for the blank, at home and abroad, of the lack of the first hand data when researching on the high-end customers’behavior. In this paper, I plan to explore the main factors to influence the high-end customers by analyzing the real consumption of high-end credit card customers and empirical study.The first part of this paper introduces related economic theories when researching on high-end customers. It also describes the history and current state of the study on credit card holders’behavior and consumption function theory. After that, I analyze in multi-dimension by quantity modeling and describing research, which draws to a conclusion that the economic identity usually exerts a great impact on high-end credit card customers, while the consuming ability of teenagers and middle age stand out extraordinarily. At last, on the basis of conclusion of the analysis, I raise some suggestion on the development of the market of peony platinum credit card, a high-end credit card product.It is of the greatest innovation of this paper that I adopt the high quality management data. Moreover, the study on high-end credit card customers who can be influenced greatly by whose economic identity, is always ignored by past researches though a great number of researchers have studied the influence of the economic identity on consumption. What’s more, the measurement analysis shows that age influence consumption in inverted U-shape. This result is different from the conclusion that existing study on the influence of credit card on consumption shows that consumption relate to ages linearly.