家庭负债影响居民幸福感研究——基于CHFS数据

A Study on the Impact of Household Debt on Residents'Happiness-Based on CHFS Data

改革开放以来,我国经济迎来高速发展,居民生活水平大幅度提高。但在此过程中也积累了一些问题,譬如高额的负债和贫富分化等。负债对幸福感的影响具有两面性:既可以通过拉动经济发展从而提高居民幸福感,又可以使偿债压力上升降低居民幸福感,这造成负债对幸福感的影响不甚分明。因此本文使用2019年中国家庭金融调查(CHFS)数据,对家庭总负债和居民幸福感程度等变量构建模型进行实证分析,明确了家庭总负债会对居民幸福感产生负向影响,并分析了家庭总负债对幸福感的影响途径,提出了加快产业转型、完善再分配制度等建议。

Since the reform and opening up,China's economy has ushered in substantial development,and the living standards of residents have been greatly improved.But along the way,problems have accumulated,such as high indebtedness and the gap between rich and poor.The impact of debt on happiness has two sides:it can improve residents'happiness by stimulating economic development,and it can increase debt service pressure and reduce residents'happiness.As a result,the impact of debt on well-being is less clear.Therefore,this paper uses the data of the 2019 China Household Finance Survey(CHFS)to empirically analyze the construction model of variables such as total household debt and residents'happiness,and clarifies that total household debt has a negative impact on residents'happiness.The impact of total household debt on happiness was analyzed.Suggestions were put forward to accelerate industrial transformation and improve the redistribution system.