摘要
本文使用中国家庭追踪调查数据(CFPS)分析家庭负债对居民主观幸福感的影响效应及作用机理。研究发现,家庭未偿负债总额及异质性债务均会对居民主观幸福感产生显著的抑制作用。家庭债务通过闲暇、心理抑郁以及财务困境渠道抑制居民幸福感的提升。负债对居民主观幸福感的影响具有显著的异质性特征,而认知能力和金融素养的提高有助于缓解负债对居民幸福感的负面影响。研究结论能为理解我国居民幸福感提供证据,同时也为提升广大人民群众的福利水平提供参考。
This paper used the data from China Family Panel Studies(CFPS) to analyze the effect and its mechanism of household debt on residents’ subjective happiness. The research found that, total outstanding household debt and heterogeneous debt both had a significant inhibitory effect on residents’ subjective happiness. The inhibiting effect of household played a role through the channels of idleness, psychological depression and financial distress, and it had a significant characteristic of heterogeneity. However,the improvement of cognitive ability and financial literacy can help to alleviate the negative effect of debt. These conclusions can provide some evidence for understanding domestic residents’ sense of happiness, as well as some references for improving the welfare level of the people.
作者
何启志
李家山
周利
HE Qi-zhil;LI Jia-shan;ZHOU Li(School of Statistics and Mathematics,Zhejiang Gongshang University,Hangzhou 310018;School of Finance,Guangdong University of Foreign Studies,Guangzhou 510006,China)
出处
《山西财经大学学报》
CSSCI
北大核心
2022年第9期18-30,共13页
Journal of Shanxi University of Finance and Economics
基金
国家社会科学基金一般项目(21BTJ002)
教育部人文社会科学研究规划基金项目(20YJA790021)
浙江省哲学社会科学规划重大课题(22YJRC07ZD)。
关键词
家庭负债
幸福感
心理健康
认知能力
金融素养
household debt
sense of happiness
mental health
cognitive ability
financial literacy
