The Relationship between Cash Advance and Financial Literacy in the Taiwan Market

信用卡預借現金與臺灣民眾金融知識之關聯性

10.6545/JFS.2015.23(2).4

蕭育仁(Yu-Jen Hsiao)；陳錦村(Jing-Twen Chen)；廖志峰(Chih-Feng Liao)

金融知識 ； 預借現金 ； 金融教育 ； Financial literacy ； cash advance ； financial education

財務金融學刊

23卷2期（2015 / 06 / 30）

105 - 134

英文

本文透過logit實證模型發現，信用卡預借現金與金融知識程度具有顯著負向影響，顯示金融知識程度愈高之民眾，具有較佳現金流動性管理能力，較不會使用高利息成本之信用卡預借現金。此外，本文也發現女性、已婚與個人年均所得愈高民眾，則較不會透過信用卡預借現金。最後，金管會金融文宣資料亦有助減少民眾使用信用卡預借現金。

This paper uses the logit regression model to study the relationship between financial literacy and cash advance. We find that financial literacy has a significantly negative impact on cash advance, which means that people with highly financial literacy are less likely to use cash advance. Moreover, we find women, married people, and people with high personal annual average incomes have a low probability to use cash advance. Finally, propaganda handouts of financial information from the Financial Supervisory Commission (FSC) can also reduce the use of cash advance.

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