03198ntm a22005177i 4500 000676053 CZ-PrVSE 20200620085042.0 m d cr n|||||||||| 200620s2020 xr fsbm 000 0 eng d NEZPRACOVANÝ IMPORT ABA006 cze ABA006 ABA006 rda Fedorov, Artem ISIS:135951 dis Factors affecting the level of debt in the US. The case of credit card market. eng Factors affecting the level of debt in the US. The case of credit card market. / Artem Fedorov 2020 ?? stran : digital, PDF soubor Vedoucí práce: Helena Chytilová Bakalářská práce (Bc.)—Vysoká škola ekonomická v Praze. Národohospodářská fakulta, 2020 Obsahuje bibliografii Textový (vysokoškolská kvalifikační práce) Rok obhajoby 2020 This thesis investigates the key factors that impact the level of credit card debt in the US. We hypothesize that demographic (age, years of education, ethnicity, occupation, and marriage), economic (income and property possession status) and attitudinal (financial literacy and attitude towards credit) factors jointly affect the level of the credit card debt of US households. The model adopted in the thesis is inspired by the research of Chien and Devaney (2001) and it consists of two vital steps: stepwise regression to select the key determinants of credit card debt level and Tobit model to evaluate the coefficients and significance of the variables. The main dataset employed for the analysis is the triennial Survey of Consumer Finances for 2016. The main value-added of this thesis is the incorporation of financial literacy, which was not subject to analysis in the previous surveys. Results indicate that age, marital status, income, real estate ownership status, favorable and neutral attitude towards credit, and high self-reported financial knowledge are the statistically significant determinants of credit card debt level for US households. Způsob přístupu: Internet economics [obor bakal. práce] bakalářské práce fd132403 czenas bachelor's theses eczenas Household Debt Credit Card Debt Credit Card Industry Household Borrowing Behavior Financial Literacy Chytilová, Helena ntk2018979754 ths Slaný, Martin, 1982- jx20090205012 opn Vysoká škola ekonomická v Praze. Národohospodářská fakulta kn20010709401 dgg https://insis.vse.cz/zp/72787/podrobnosti VŠKP v InSIS https://insis.vse.cz/zp/72787 Hlavní práce https://insis.vse.cz/zp/72787/posudek/vedouci Hodnocení vedoucího https://insis.vse.cz/zp/72787/posudek/oponent/67320 Oponentura https://insis.vse.cz/zp/72787/podrobnosti dc:identifier NEPOSILAT VSKP vse72787 200616 72787