標題: The roles of personality and general ethical judgments in intention to not repay credit card expenses
作者: Ding, Cherng G.
Chang, Kuochung
Liu, Na-Ting
經營管理研究所
Institute of Business and Management
關鍵字: personality;locus of control;risk-taking propensity;general ethical judgments;not repaying credit card expenses
公開日期: 2009
摘要: There are no 'card slaves' but only cardholders who cannot meet their obligations. Recently, the issue that people are plagued by huge credit card debt has become more serious in Taiwan. This study proposed a model linking personality traits (locus of control (LOC) and risk-taking propensity), general ethical judgments regarding credit card use, and behavioral intention to not repay credit card expenses. External LOC and risk-taking propensity can predict intention to not repay through ethical judgments. Furthermore, external LOC can directly affect the intention. The model has been empirically justified by using the data collected from 448 credit cardholders in Taiwan (at least 20 years old). Those with ethical judgments of actively benefiting from illegal activities or passively benefiting at the expense of others tend to have an intention to not repay. By understanding the causes of not repaying credit card expenses, financial service providers should be able to effectively reduce card bad debts. In particular, relationship marketing strategies are helpful to mitigate cardholders' intention to passively not repay.
URI: http://hdl.handle.net/11536/14199
http://dx.doi.org/10.1080/02642060902749369
ISSN: 0264-2069
DOI: 10.1080/02642060902749369
期刊: SERVICE INDUSTRIES JOURNAL
Volume: 29
Issue: 6
起始頁: 813
結束頁: 834
顯示於類別:期刊論文


文件中的檔案:

  1. 000267013200006.pdf