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| DC 欄位 | 值 | 語言 |
|---|---|---|
| dc.contributor.advisor | 何憲章 | |
| dc.contributor.author | Khoon-Seng Tan | en |
| dc.contributor.author | 陳坤成 | zh_TW |
| dc.date.accessioned | 2021-06-15T00:14:31Z | - |
| dc.date.available | 2009-07-14 | |
| dc.date.copyright | 2009-07-14 | |
| dc.date.issued | 2009 | |
| dc.date.submitted | 2009-06-25 | |
| dc.identifier.citation | 1. Agarwal, Sumit, C. Liu, and N. Souleles, 2007. The Reaction of Consumer Spending and Debt to Tax Rebates: Evidence from Consumer Credit Data. Research Department, Federal Reserve Bank of Philadelphia.
2. Agarwal, Sumit, P.M. Skiba, and J. Tobacman, 2009. Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? National Bureau of Economic Research, Inc, NBER Working Papers: 14659. 3. American Bankers Association, and Dove Consulting, 2005. 2005/2006 Study of Consumer Payment Preferences, report. 4. Bi, Lan, and C.P. Montalto, 2004. Emergency Funds and Alternative Forms of Savings. Financial Services Review, 13(2), pp. 93-109. 5. Bolt, Wilco, and S. Chakravorti, 2008. Economics of Payment Cards: A Status Report. v.32, iss.4, pp. 15-27. 6. Chang, Y. Regina, and S.J. Houston, 1995. Patterns of Adequate Household Emergency Fund Holdings: A Comparison of Households in 1983 and 1986. Financial Counseling and Planning, 6, pp. 119-128. 7. Chen, Chin, and S.A. Devaney, 2001. The Effect of Life Cycles States and Saving Motives on the Probability of Emergency Fund Adequacy. In J.M. Hogarth (Ed.) Proceedings of the Association for Financial Counseling and Planning Education. pp.176-185, Columbus OH: AFCPE. 8. Cole, Shawn A., J. Thompson and P. Tufano, 2008. Where does it go? Spending by the Financially Constrained. pp. 40, Harvard Business School, Working Papers: 08-083. 9. Derksen, Shelley, and H.J. Keselman, 1992. Backward, Forward and Stepwise Automated Subset Selection Algorithms: Frequency of Obtaining Authentic and Noise Variables. British Journal of Mathematical and Statistical Psychology, 45: 265-282. 10. Evans, David S., and R. Schmalensee, 2005. Paying with Plastic. Cambridge, Massachusetts: The MIT Press. 11. Gerdes, Geoffrey, 2007. The Depository Institutions Payments Study. The Federal Reserve System. 12. Global Insight, and VISA International, 2003. The Virtuous Circle: Electronic Payments and Economic Growth. 13. Gujarati, Damodar N., 2006. Essentials of Econometrics. McGraw Hill. 14. Hurvich, Clifford M., and C.L. Tsai, 1990. The Impact of Model Selection on Inference in Linear Regression. American Statistician 44: 214-217. 15. Johnson, Kathleen W., 2007. The Transactions Demand for Credit Cards. B.E. Journal of Economic Analysis and Policy: Topics in Economic Analysis and Policy, v.7, iss.1, pp. 1-31. 16. Johnson, Kathleen W., 2005. Recent Developments in the Credit Card Market and the Financial Obligations Ratio. Federal Reserve Bulletin, v.91, iss.4, pp.473-86. 17. McGrath, James C., 2005. Will Online Bill Payment Spell the Demise of Paper Checks? Federal Reserve Bank of Philadelphia. 18. Roecker, Ellen B., 1991. Prediction Error and Its Estimation for Subset Selected Models. Technometrics 33: 459-468. 19. Schmith, Scott, 2008. Credit Card Market: Economic Benefits and Industry Trends. International Trade Administration, US Department of Commerce. 20. Scholnick, Barry, N. Massoud, A. Saunders, S. Carbo-Valverde, and F. Rodriguez-Fernandez, 2008. The Economics of Credit Cards, Debit Cards and ATMs: A Survey and Some New Evidence. Journal of Banking and Finance, v.32, iss.8, pp. 1468-83. 21. Sprenger, Charles, and J. Stavins, 2008. Credit Card Debt and Payment Use. Federal Reserve Bank of Boston, 08-27. 22. The Nilson Report, 2005. Iss.843. 23. Zinman, Jonathan, 2009. Debit of Credit? Journal of Banking & Finance. v.33, iss.2, pp. 358-66 24. Zywicki, Todd J., 2000. The Economics of Credit Cards. George Mason University of Law. | |
| dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/41228 | - |
| dc.description.abstract | We found that MasterCard holders may rely on their cards to borrow when their income decreased. On the other hand, card holders may decide to pay down their balance and boost liquidity when their income increased, but subsequently spend more in later quarters. Here MasterCard revenue has a positive relationship with both personal expenditure and revolving credit. An expanded money supply also seems to have a positive effect on revenue as well, adhering to the monetarist view. Using Federal Fund rate as a proxy, we did not find conclusive evidence if MasterCard holders are largely indifferent to interest rates. We found no statistically significant relationship between revenue and retail sales, unemployment rate or population. This could imply that during adverse economic periods where retail sales are affected or the unemployment rate is higher, MasterCard revenue is still not impacted at least within the sample period data set. And, population is not found to be statistically significant. This could mean that the combined overall result of the rate of birth and death has no significant relationship with revenue. | en |
| dc.description.provenance | Made available in DSpace on 2021-06-15T00:14:31Z (GMT). No. of bitstreams: 1 ntu-98-R96749038-1.pdf: 1489676 bytes, checksum: dc8a9c8f3858661df22670b6f96a1956 (MD5) Previous issue date: 2009 | en |
| dc.description.tableofcontents | Acknowledgements ii
Abstract iii List of Figures v List of Tables vi Chapter 1: Introduction 1 1.1 Background 1 1.2 Credit Card Ecosystem 8 1.3 Purpose and Objective 11 1.4 Thesis Structure 13 Chapter 2: Literature Review 14 Chapter 3: Methodology & Data 23 3.1 Data 23 3.2 Hypothesis Testing and Regression Model Selection 25 Chapter 4: Results 47 4.1 Model 1a / Model 1b Output and Analysis 48 4.2 Model 2a / Model 2b Output and Analysis 54 4.3 Summary 60 Chapter 5: Conclusion and Recommendation 65 5.1 Conclusion 65 5.2 Limitations 67 5.3 Future Research 68 References 70 Appendix A: Regression Test Results 74 A.1 Model 1a Test Results 74 A.2 Model 1b Test Results 76 A.3 Model 2a Test Results 78 A.4 Model 2b Test Results 79 | |
| dc.language.iso | en | |
| dc.subject | 信用卡 | zh_TW |
| dc.subject | Credit Card Revenue | en |
| dc.title | 萬事達卡收入的總體經濟因素 | zh_TW |
| dc.title | Macroeconomic Determinants of MasterCard’s Revenue | en |
| dc.type | Thesis | |
| dc.date.schoolyear | 97-2 | |
| dc.description.degree | 碩士 | |
| dc.contributor.coadvisor | 廖珮真 | |
| dc.contributor.oralexamcommittee | 胡星陽 | |
| dc.subject.keyword | 信用卡, | zh_TW |
| dc.subject.keyword | Credit Card Revenue, | en |
| dc.relation.page | 80 | |
| dc.rights.note | 有償授權 | |
| dc.date.accepted | 2009-06-26 | |
| dc.contributor.author-college | 管理學院 | zh_TW |
| dc.contributor.author-dept | 企業管理碩士專班 | zh_TW |
| 顯示於系所單位： | 管理學院企業管理專班(Global MBA) | |
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|---|---|---|---|
| ntu-98-1.pdf 未授權公開取用 | 1.45 MB | Adobe PDF |
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