信用卡對幸福感之影響效果－來自中國家庭金融調查（CHFS）數據的實證研究

Abstract

隨中國家戶負債逐年攀高的趨勢，間接可能影響居民的生活滿意度。本研究 利用2015年中國家庭金融調查（China Household Finance Survey, CHFS）數據資料，探討信用卡負債影響居民幸福感程度，同時納入理財知識、理財態度與風險態度對信用卡欠款餘額之關係探討。另說明不同背景變項對幸福感之顯著差異，及與不同背景變項、自變項與信用卡欠款餘額的相關性。本研究使用ordered logit model欲得出幸福感之預測機率與各變項對幸福感之邊際效益。統計結果發現人口變項對幸福感、信用卡欠款餘額大多具有顯著差異，且「女性、教育程度、共產黨員、健康狀況、資產、風險態度、信用卡欠款餘額」對幸福感具有顯著效果。其中女性相較男性、共產黨員較非共產黨員身分者幸福感勝算比高，另在不同程度的幸福感邊際效應下出現正負向效果。

With the rising household debt in China, it may indirectly affect the life satisfaction of residents. This study used data from the China Household Finance Survey(CHFS) in 2015 to explore the extent to which credit card debt affects residents’ happiness. At the same time, it used financial knowledge, financial attitude and risk attitude to illustrate the significant differences in the happiness. Besides, this research also found the correlation between independent variable, background variables and credit card balance. This study used the ordered logit model to obtain the prediction probability of happiness, and the marginal probability of various variables to happiness. Finally, the statistical results found that background variables have significant differences in happiness and credit card balance, and"female, education level, CCP members, health status, assets, risk attitude, credit card balance" have significant effect on happiness. Among them, women have a higher odds ratio in happiness than men, and CCP members’ happiness odds ratio also higher than those who are non-CCP members. In addition, there are positive and negative marginal effects with vary degrees of happiness.