1、5700 英文单词， 3.3 万英文字符 ， 中文 9900 字 文献出处： Cohen M J. Consumer credit, household financial management, and sustainable consumptionJ. International Journal of Consumer Studies, 2007, 31(1): 57-65. Consumer credit, household financial management, and sustainable consumption Maurie J. Cohen Abstract Over t
2、he past decade, sustainable consumption has emerged as an issue of growing international prominence. Policy initiatives to facilitate more environmentally and socially preferable household provisioning have typically emphasized materials and energy efficiency. While this approach holds the prospect
3、for some notable short-term gains, experience suggests that longer-term improvements are likely to fall short of expectations and trigger unanticipated rebound effects. Effective policy programs need to acknowledge the social and financial dimensions of consumer decision making and become more atten
4、tive to the role of households as catalysts of production. From this perspective, consumer payment systems take on special significance. In particular, the prevalence of credit cards and the accumulation of consumer debt in the USA and other advanced countries have been important drivers of economic
5、 growth in recent years. This paper highlights the linkages between consumer credit and sustainable consumption and discusses the structural changes in lending practices that account for the popularity of this payment system. While unsatisfactory conceptual models and inadequate data make it difficu
6、lt to advance any definitive assessment of this relationship, it is possible to outline the basic elements of a research agenda in this area. Keywords: Credit cards, consumer payment systems, household finance, LOHAS, lifestyles of health and sustainability, revolving debt. Introduction The administrative procedures that have evolved over the past several decades in most developed countries to maintain environmental quality are largely organized around managing the adverse consequences of pro
