| 摘要: | 隨著極端天氣事件的突發頻率快速的增加，經濟體系、金融市場、企業營運已經逐漸受到衝擊。若不採取任何應對的措施，或許在未來可能會引發未知的系統性風險或金融風險。所以綠色金融現在已逐漸受到政府、企業以及消費者的重視，並強調綠色和金融兩大議題，綠色金融在實現永續發展和減緩氣候變遷方面扮演著至關重要的角色。因此，本研究以綠色金融商品中的綠色信用卡為研究主題，並以環境認同、綠色消費倫理、自我責任作為本研究之自變數，探討對於綠色信用卡使用意圖之影響。
本研究使用SPSS軟體對問卷數據進行敘述性統計分析、相關分析、信度分析、效度分析、迴歸分析和中介效果分析，並釐清各研究變數之間的因果關係。由實證結果可得知，環境認同對綠色消費倫理及綠色信用卡使用意圖具正向影響；綠色消費倫理對自我責任及綠色信用卡使用意圖具正向影響；自我責任對綠色信用卡使用意圖具正向影響；綠色消費倫理對環境認同與綠色信用卡使用意圖具中介效果；自我責任對綠色消費倫理與綠色信用卡使用意圖具中介效果。研究結果將幫助金融業了解消費者對綠色信用卡使用意圖之關鍵因素，希望能透過金融業的影響力幫助經濟和環境朝向永續發展的道路前進，強化金融業對於氣候風險的韌性。
As the frequency of extreme weather events rapidly increases, economic systems, financial markets, and corporate operations are gradually being impacted.Without taking any countermeasures, unknown systemic risks or financial risks may arise in the future. Thus, green finance is now receiving increasing attention from governments, enterprises, and consumers, emphasizing both environmental and financial issues. Green finance plays a crucial role in achieving sustainable development and mitigating climate change.Therefore, this study focuses on green financial products, specifically green credit cards, and investigates the influence of environmental identity, green consumption ethics, and self-responsibility on the intention to use green credit cards.
This study utilizes SPSS software to conduct descriptive statistical analysis, correlation analysis, reliability analysis, validity analysis, regression analysis, and mediation analysis on the questionnaire data, aiming to clarify the causal relationships among the research variables. The empirical results indicate that environmental identity has a positive impact on green consumption ethics and the intention to use green credit cards; green consumption ethics positively influences self-responsibility and the intention to use green credit cards; self-responsibility positively affects the intention to use green credit cards. Furthermore, green consumption ethics mediates the relationship between environmental identity and the intention to use green credit cards, while self-responsibility mediates the relationship between green consumption ethics and the intention to use green credit cards. The findings of this study will help the financial industry understand the key factors influencing consumers' intention to use green credit cards. It is hoped that through the influence of the financial industry, both the economy and the environment can progress towards sustainable development, thereby enhancing the financial industry's resilience to climate risks. |
