隨國內信用卡發卡量逐年增加，使用免簽名信用卡交易的現象也與日俱增。免簽名信用卡交易為信用卡交易型態及授信行為之重大改變，對消費者消費習慣、整體消費金額、甚至授信金額都有潛在影響性，導入免簽名確認之信用卡交易，無異使信用卡交易全面簡化，對消費者行為及金融秩序亦存在重大影響可能。本研究試圖了解信用卡免簽名交易對消費者行為中之交易頻率、平均交易金額、消費傾向及逾期傾向之可能影響。研究針對300位信用卡消費者發出問卷，共計回收有效問卷236份，回收率78.7%。結果顯示，信用卡免簽名交易顯著增加信用卡消費者之消費頻率，降低單筆交易之平均交易金額，同時增加信用卡消費傾向，亦即信用卡消費佔總所得之比例，但是，免簽名信用卡交易對信用卡消費者之逾期傾向則未存在顯著影響性，甚至有降低信用卡交易風險之可能。
學術意義上，本研究提供未來免簽名信用卡交易相關研究的先驅了解，釐清免簽名信用卡交易對消費者行為之可能影響；管理意義上，本研究提供金融主管機關及信用卡發卡銀行推行免簽名交易之管理思維，將有助於國內信用卡交易制度之實施與管控。
Accompany with tremendous issues of credit cards, limit amount non-signature transactions have been increased as well. As functions of simplify and non-authorized transaction procedure, limit amount non-signature transactions not only affect total amount, average purchasing price and consume propensity to consumers on credit card transactions, but also threat over-due potentials and financial orders, therefore, this study aims to survey possible affections of limit amount non-signature transaction of credit card to consumers’ behaviors. By sending 300 questioners and receiving 236 efficient returns, with a return rate of 78.7%, results show that limit amount non-signature transaction of credit card significantly increases transaction frequency, reduces average transaction price and increases consume propensity, in a mean of total credit card transactions over total income. However, limit amount non-signature transaction does not increase, in contrast, may lower over-due potentials of credit card transactions.
Academically, this study provides an exploration understanding to limit amount non-signature transactions of credit card, and illustrates it’s potential affections to consumer’s behaviors. Practically, this study pro-vides a managerial thinking to issuing banks and ruling officials of credit cards when lunching and regulating limit amount non-signature transactions of credit cards.
