2012年信用卡外文翻译--大学生信用卡消费（节选）

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1、3300 英文单词， 18500 英文字符 ，中文 5500 字 文献出处： Blankson C , Paswan A , Boakye K G . College students consumption of credit cardsJ. International Journal of Bank Marketing, 2012, 30(7):567-585. College students consumption of credit cards Charles Blankson, Audhesh Paswan and Kwabena G. Boakye Abstract Purpos

2、e The importance of and viability of the college student cohort for credit card firms and banks are well documented and so are the challenges facing marketers interested in this target market. The first purpose of this paper is to examine college students motivation for consuming credit cards and th

3、e usefulness of the latter to them. The second purpose relies on marketing scholars advice by replicating and then validating an extant scale that measures college students decision criteria for credit cards. Specifically, the paper attempts to answer two questions: what is the compelling reason for

4、 a college student to want to own and use a credit card? In addition, how important is the credit card to the college student? Design/methodology/approach The authors adopted the classical multi-step scale development procedure, which demands that thorough attention is paid to every step of the proc

5、ess. Exploratory and confirmatory factor analyses were used to assess the reliability and validity of the results. Findings This study has replicated and validated an extant scale measuring college students consumption of credit cards. The findings confirm four key factors: “customer service;” “ince

6、ntives;” “need for credit;” and “buying power.” In addition, 66 per cent of the respondents claim that credit cards provide a sense of security for them. Furthermore, while 49 per cent of the sample uses their cards up to three purchases monthly, 51 per cent use their cards more than four times in a month. Moreover, 25 per cent of the respondents regularly use their cards (i.e. more than seven purchases or more per month). Research limitations/implications The cross-sectional re