关键词: 信用卡透支, 生命周期, 社会经济地位

Abstract: The credit card is one of the modern commercial banks’ financial instruments, which has the important function of consumer overdraft. Using micro data from the credit card center of a commercial bank in China, this article analyzed the influencing factors of the overdraft behavior of credit card from the perspective of life cycle and socio-economic status in the first time. The results showed that the life-cycle characteristics of cardholders had a significant effect on the overdraft behavior. Younger cardholders tended to have a remarkably higher possibility of overdraft behavior and more debts than the others. At the same time, the socio-economic status had a significant effect on the overdraft behavior. Citizens with higher salaries and higher positions utilized the credit card more actively. In addition, marriage, credit card’s duration and credit limits also had some impacts on the overdraft behavior of credit card.

Key words: Overdraft of Credit Card, Life-cycle, Socio-economic Status