中国东中西部地区的家庭负债影响因素的对比分析

A Comparative Analysis of the Factors Influencing Household Debt in the Eastern, Central and Western Regions of China

通过两部分回归模型,对中国东中西部地区的家庭负债情况进行对比分析。结果认为,①性别对东部地区的家庭负债率存在显著的正相关关系,且与西部地区家庭的负债额显著负相关;②婚姻状况均显著影响西部地区的家庭负债率及负债额,而与东部和中部地区无显著关系;③风险态度显著正相关影响中部地区的家庭负债率及负债额,而与东部和西部地区无关。

This paper made a comparative analysis of household debt in China’s eastern, central and western regions through a two-part regression model. The results suggest that ① Gender had a significant positive correlation with household debt ratios in the eastern region, and it’s significantly negatively correlated with household debt in the western region;② Marital status significantly affected household debt ratio and debt in the western region, and there was no significant relationship with the eastern and central regions;③ The significant positive correlation of risk attitudes affected the household debt ratio and the amount of debt in the central region, regardless of the eastern and western regions.