Correlates of Credit Card Adoption in Urban China

Sharpe, Deanna; Yao, Rui; Liao, Li
June 2012
Journal of Family & Economic Issues;Jun2012, Vol. 33 Issue 2, p156
Academic Journal
Analysis of data from the 2008 Survey of Chinese Consumer Finance and Investor Education indicated that 30.0 % of the sample households held at least one credit card. Significant factors associated with the probability that an urban Chinese individual would hold a credit card included income, age, education, occupation, and awareness of credit card risks, default consequences, the credit system, and that late payments increase interest.


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