Department of Psychology, Buffalo State College, Buffalo, NY 14222, USA.
Int J Psychol. 2013;48(3):389-98. doi: 10.1080/00207594.2011.645486. Epub 2012 Mar 8.
Although there is growing concern about the issue of credit card debt among college students in China, little research has examined attitudes to money and debt among that group. The present study compared financial self-confidence, perceived financial wellbeing, attitudes to debt, and parent education about money and debt in 410 college students from the US and China. Although college students in China reported fewer credit cards and less debt, they also reported lower levels of financial self-confidence and financial wellbeing. In both cultures, delay of gratification and parental education predicted both self-confidence and financial wellbeing.
尽管人们对中国大学生信用卡债务问题越来越关注，但很少有研究调查过该群体的金钱和债务态度。本研究比较了美国和中国 410 名大学生的财务自信、感知财务健康、债务态度以及父母对金钱和债务的教育。尽管中国大学生拥有的信用卡和债务较少，但他们的财务自信和财务健康水平也较低。在这两种文化中，延迟满足和父母教育都可以预测自信和财务健康。
