中文摘要：

信用卡是现代商业银行的金融工具,具有消费信贷的重要功能.本文采用某商业银行信用卡中心的微观数据,从生命周期、社会经济地位的角度实证分析了我国信用卡透支行为的影响因素.研究结果表明,我国持卡人的信用卡透支行为具有显著的生命周期特征,年轻的持卡人在信用卡透支的可能性和负债程度上都显著高于其他持卡人.同时,社会经济地位对信用卡透支行为也有显著影响,高收入和高职位者使用信用卡负债更加积极.此外,本文还发现婚姻子女状况以及信用卡账户帐龄和信用额度对持卡人的透支行为也有一定的影响.

英文摘要：

The credit card is one of the modern commercial banks＇ financial instruments, which has the important function of consumer overdraft. Using micro data from the credit card center of a commercial bank in China, this article analyzed the influencing factors of the overdraft behavior of credit card from the perspective of life cycle and socio-economic status in the first time. The results showed that the life-cycle characteristics of cardholders had a significant effect on the overdraft behavior. Younger cardholders tended to have a remarkably higher possibility of overdraft behavior and more debts than the others. At the same time, the socio-economic status had a significant effect on the overdraft behavior. Citizens with higher salaries and higher positions utilized the credit card more actively. In addition, marriage, credit card＇ s duration and credit limits also had some impacts on the overdraft behavior of credit card.