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图3-44 办理分期的原因 （年龄)
图3-44 办理分期的原因 （年龄)
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金融数字化发展联盟：2025消费金融数字化转型主题调研报告（162页）.pdf
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优惠，息费划算，免息分期”（28.2%），其次是“大额资金压力，一次性拿出困难' （26.2%），第三是当手上资金有其他用途时，会考虑办理分期，对资金进行合理规 划（24.5%) 钱不够但想先享受而选择分期的比例高于其他客群；29-35 岁客群因刚性支出（当 月账单金额高25.2%）而分期的比例较高；50岁以上客群对于价格敏感度高，易受 优惠驱动，因优惠（33.2%）而选择分期的比例较为突出。 具体到收入维度,20000元及以上高收人客群,对“资金可作其他用途"（30.3%） 和“高额度满足需求”（29.3%）的认同度更高，其分期行为更多是“主动型”的财 务规划和资源优化，同时他们也关注“分期优惠”（28.2%），重视分期成本优化。 本报告相关内容版权归属金融数字化发展联盟，如转载、引用，需注明出处为金融数字化发展联盟
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金融数字化发展联盟：2025消费金融数字化转型主题调研报告（162页）.pdf
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图3-136
图3-135对“理财/储蓄达标赠信用卡消费金”活动的反馈
图3-134促使信用卡客户在一家银行办理储蓄卡的因素（收入）
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