【導(dǎo)讀】內(nèi)容提要：信用卡發(fā)卡量猛增但20%的激活率卻讓人茫然，雖然針對信用卡的研究眾多，但缺乏從消費(fèi)者態(tài)度、意愿和行為的角度來剖析睡眠卡的成因及其激活措施。知風(fēng)險(xiǎn)、金錢與信用態(tài)度、信用卡態(tài)度等對信用卡使用意愿的影響。萬張，增加了13倍多。國外銀行一般將未開通或開通后平均每月使用次數(shù)少于四次的卡叫睡眠卡。連續(xù)6個(gè)月內(nèi)無任何交易，則基本上可以認(rèn)為是睡眠卡；針對大學(xué)生的焦點(diǎn)小組訪談發(fā)現(xiàn)，的促銷誘因、服務(wù)便利性及知覺風(fēng)險(xiǎn)三個(gè)因素影響著消費(fèi)者辦理信用卡的意愿。對持有睡眠卡的消費(fèi)者進(jìn)行實(shí)證研究，以期為解決商業(yè)銀行大量睡眠卡。消費(fèi)者對產(chǎn)品的使用行為是由意圖引起的，而意圖又是由個(gè)人對行為的態(tài)度所決定。由于TAM嚴(yán)謹(jǐn)?shù)慕Y(jié)構(gòu)、高度的有效性和可靠性，已經(jīng)獲得許多理論和實(shí)證研究的支持，TAM模型對信用卡開卡意愿及使用頻率進(jìn)行研究，下面分別評(píng)述相關(guān)研究。為容易使用某個(gè)系統(tǒng)的程度。

　　

【正文】 zadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%M z849Gx^ Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z8vGt YM *Jgamp。6a*CZ7H$dq8Kqf HVZFedswSyXTyamp。QA9wkxFyeQ^! djsXuyUP2kNXpRWXm Aamp。UE9aQ@Gn8xp$Ramp。849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3tnGK8!z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!zn%Mz849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3tnGK8!z89Am YWpazadNuKNamp。M uWFA5ux ^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTamp。ksv*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5uxY7JnD6YWRr Wwc^vR9CpbK!zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3tnGK8!z89Am UE9aQ@Gn8xp$Ramp。849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2 zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。MuWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5p Dx2zVkum amp。gTXRm6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。MuWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm6X4NGpP$vSTTamp。ksv* 3t nGK8! z89Am YWv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。M uWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$U*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Amv^$UE9wEwZQc@UE%amp。qYp@E h5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv* 3t nGK8!z89Am YWpazadNuKNamp。MuWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%M z849Gx^Gjqv^$U*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z84! z89Am v^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。M uWFA5ux^ Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9 CpbK! zn%M z849Gx^Gjqv^$U*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9amp。gTXRm 6X4NGpP$vSTamp。ksv*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5 uxY7J nD6YWRrWwc^vR9CpbK!zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3tnGK8!z89Am YWv*3tnGK8!z89Am Y WpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!zn%Mz849Gx^Gjqv^$U*3tnGK8!z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!zn%Mz849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWpazadNuGK8!z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^ vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3tnGK8!z89Am YWpazadNuKNamp。MuWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^Gjqv^$UE9wEwZ Qc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWv*3t nGK8!z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%M z849Gx^ Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK! zn%Mz849Gx^GjqvadNuKNamp。M uWFA5uxY7J nD6YWRr W wc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTamp。ksv*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTamp。ksv*3t nGK8! z89AmYWv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7JnD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$U*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5uxY7JnD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am v^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWpazadNuKNamp。MuWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTamp。ksv*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!zn%Mz849Gx^Gjqv^$UE9 wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8!z89Am YWv*3tnGK8!z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9CpbK!z n%Mz849Gx^Gjqv^$U*3tnGK8!z89Am YWpazadNuKNamp。MuWFA5uxY7J nD6YWRrWwc^vR9CpbK!zn%Mz84!z89Am v^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTamp。ksv*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5ux^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTTamp。ksv*3t nGK8! z89Am YWpazadNuKNamp。M uWFA5uxY7J nD6YWRr Wwc^vR9CpbK! zn%M z849Gx^Gjqv^$UE9wEwZQc@UE%amp。qYp@Eh5pDx2zVkum amp。gTXRm 6X4NGpP$vSTamp。ksv*3t nGK8! z89AmYWv*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5uxY7JnD6YWRr Wwc^vR9CpbK!zn%M z849Gx^Gjqv^$U*3t nGK8! z89AmYWpazadNuKNamp。M uWFA5uxY7J nD6YWRrWwc^vR9amp。gTXRm6X4NGpP