1、3500 英文单词， 1.9 万英文字符 ，中文 5800 字 文献出处： Robb C A , Sharpe D L . Effect of Personal Financial Knowledge on College Students Credit Card BehaviorJ. Social Science Electronic Publishing, 2013, 20(1):25-43. Effect of Personal Financial Knowledge on College Students Credit Card Behavior Cliff A. Robb and D
2、eanna L. Sharpe Analysis of survey data collected from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students but not entirely in expected ways. Results of a double hurdle analysis indicated that stud
3、ents with relatively higher levels of financial knowledge were not significantly different from students with relatively lower levels in terms of the probability of having a credit card balance. Contrary to expectations, those with higher levels of financial knowledge had significantly higher credit
4、 card balances. Overall, the present findings highlight the complex nature of the relationship between personal financial knowledge and credit card behavior. Key Words: college students, credit card use, personal financial knowledge Introduction In the late 1980s, credit card companies began targeti
5、ng college students in an effort to expand market share. Students were encouraged to become credit card customers through direct mail promotions, on- and off-campus advertising, and on-campus recruitment (OConnell, 1994; Susswein, 1995). A number of researchers have documented the subsequent rapid e
6、xpansion of credit card ownership and use on college campuses from the late 1980s through the 1990s (Kara, Kaynak, & Kucukemiroglu, 1994; Nellie Mae, 2002; Manning & Kirshak, 2005). In 1990, slightly over half (54%) of all undergraduate students held at least one credit card. By 2001, over three-quarters (83%) of all undergraduate students had one or more credit cards (Nellie Mae, 2002). These fundamental changes in how and to whom credit cards are marketed have resulted in credit cards be
