文章基本信息

标题：Credit card spending limit and personal finance: system dynamics approach
本地全文：下载
作者：Pejić Bach, Mirjana ; Zoroja, Jovana ; Merkač Skok, Marjana 等
期刊名称：Croatian Operational Research Review
印刷版ISSN：1848-0225
出版年度：2014
卷号：5
期号：1
页码：35-47
语种：English
出版社：Croatian Operational Research Society
摘要：Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrated that a higher credit limit approved on the credit card decreases the budget available for spending in the long run. This is a contribution toward the evaluation of action for credit limit control based on their consequences.
关键词：credit card; credit limit; system dynamics