[雙語翻譯]信用卡外文翻譯--大學(xué)校園信用卡風(fēng)險行為以巴西為例（英文）

1、 Available online at http://www.anpad.org.br/bar BAR, Rio de Janeiro, v. 9, n. 3, art. 6, pp. 351-373, July/Sept. 2012 Credit Card Risk Behavior on College Campuses: Evidence from Brazil Wesley Mendes-Da-Silva * E-m

2、ail address: mr.mendesdasilva@gmail.com Fundação Getulio Vargas – EAESP/FGV São Paulo, SP, Brazil. Wilson Toshiro Nakamura E-mail address: wtnakamura@uol.com.br Universidade Presbiteriana Mackenzie S

3、7;o Paulo, SP, Brazil. Daniel Carrasqueira de Moraes E-mail address: daniel@lavill.com.br Universidade Presbiteriana Mackenzie São Paulo, SP, Brazil. * Corresponding author: Wesley Mendes-Da-Silva Rua Itapeva, 47

4、4, 8th floor, São Paulo, SP, 01332-000, Brazil: Copyright © 2012 Brazilian Administration Review. All rights reserved, including rights for translation. Parts of this work may be quoted without prior knowledge

5、 on the condition that the source is identified. Credit Card Risk Behavior 353 BAR, Rio de Janeiro, v. 9, n. 3, art. 6, pp. 351-373, July/Sept. 2012 www.anpad.org.br/bar Introduction University stude

6、nts frequently find themselves at a time in their lives when they have growing responsibilities and are obliged to make decisions that will define their financial independence and have consequences for their future wel

7、l-being and security. Decision-making methods and the financial habits of citizens, especially university students, have received considerable attention from both governments and the financial industry. However, with t

8、he exception of the United States, what is seen is that this issue is being studied in less depth in the academic environment than in the finance community, especially when considering emerging markets like Brazil. Th

9、e main role of financial innovation is to promote the well-being of society through a reduction in the cost of capital, promoting greater efficiency and facilitating the control of consumption and investment decisions,

10、 with considerable benefits for borrowers and investors alike; i.e. families, corporations and governments (Sánchez, 2010, p. 27). Therefore, it becomes imperative to carry out studies that seek to throw light on

11、this topic, bearing in mind just how relevant a better understanding of the credit-related behavior of young adults is. The main objectives of this study are to: (a) identify and characterize those students who were mo

12、st at risk for mismanaging and misusing credit cards; (b) identify some of the hidden consequences of financial mismanagement for students; and (c) provide some insight into educational resources and services that coul

13、d be developed to help students better manage their credit card debt and other finances. For the development of this research, in 2011 we collected 769 valid questionnaires from university students in Sao Paulo, Brazil

14、's main financial center. In this context, the relevance of the university’s role is clear to see. This is an environment that is, of necessity, well-placed for educating students because of the influence it exerc

15、ises over their behavior. In terms of individuals’ access to credit there is little doubt that currently this has a strong influence on the lifestyle of people, providing them with convenience, social status and purcha

16、sing power. However, the indiscriminate use of credit cards can have a considerably harmful effect on well-being (Bernthal, Crockett, MacFadyen, MacFadyen, and the credit card industry and credit reporting system ar

17、e also highly disparate. We realize that most of the relevant literature on this topic comes from beyond Brazil, and even though this article mostly considers students in private universities, it is intended to fill th