中文摘要：

随着信用卡使用的普及，消费者对循环信用的使用逐渐增加，同时大学生往往是循环信用使用的最早尝试者。究竟什么因素促进了大学生群体冒着负债的危险去使用循环信用。本研究从态度一行为视角，系统地探讨了金钱态度、信用卡态度、负债态度、生活满意度、风险态度以及非现实乐观等态度变量对循环信用使用行为的影响。研究发现：金钱态度、信用卡态度、负债态度是影响大学生循环信用使用的最主要的态度变量。同时，我们通过结构方程模型验证了这一结论。最后，我们提出了本研究的研究不足和将来的研究方向。

英文摘要：

With the prevalence of credit use, revolving credit use is increasing, especially among university students. What is drive power for students to take a risk of being in debt to use revolving credit？ In this research, we symmetrically investigate the impact of money attitude, credit card attitude, debt attitude, social life satisfaction, risk attitude and unrealistic attitude on the revolving credit use. we finds that money attitude ,credit card attitude and debt attitude are most important factors which exert influence impact on revolving credit use. SEM results also verify this finding. We also put forward the limitation and future research on this topic.