家庭负债行为的同群效应研究——基于CFPS面板数据的实证研究

Study on the Peer Effect of Household Debt Behavior:An Empirical Study Based on CFPS Panel Data

基于同群效应视角,利用2016年和2018年中国家庭追踪调查(CFPS)数据,研究家庭负债行为同群效应的存在性、异质性和作用机制。研究发现:首先,家庭负债行为存在明显的同群效应;其次,不同家庭类型和收入水平下的家庭负债行为同群效应存在差异;再次,面对面交流信息传递强化了家庭非正规负债途径选择和负债程度的同群效应,互联网媒介信息传递减弱了家庭正规负债途径选择和非正规负债途径选择的同群效应,自我定位增强了家庭负债与否的同群效应。基于此,应进一步引导并宣传理性的负债理念,提高中低收入群体的收入水平,并重点加强因同群家庭负债行为过高可能产生的资金入不敷出风险的防范以及对农村地区信息传递渠道的建设。

Based on the perspective of peer effect,this paper uses the data of China Household Tracking Survey(CFPS)in 2016 and 2018,and studies the existence,heterogeneity and mechanism of the peer effect of household debt behavior.The results show that:firstly,there is an obvious peer effect on household debt behavior;Secondly,there are differences in the peer effect of household debt behavior under different household types and income levels.Thirdly,face-to-face communica⁃tion and transmission of information strengthens the peer effect of informal debt channel choice and debt degree of households,Internet media information transmission weakens the peer effect of formal debt channel choice and informal debt channel choice of households,and self-positioning enhances the peer effect of whether families are in debt or not.Therefore,it is suggested that we should further guide and publicize the rational debt concept,improve the income level of middle and low income groups,and focus on strengthening the prevention of excessive debt behavior of the same group of families may lead to the risk of exceeding the fund and the construction of information transmission channels in rural areas.