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信贷和中国家庭的幸福
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TitleCredit and Households’ Happiness in China  
作者尹志超 张号栋  
AuthorYin Zhichao and Zhang Haodong  
作者单位首都经济贸易大学金融学院;河南财经政法大学金融学院 
Organization(1. Capital University of Economics and Business;Henan University of Economics and Law 
作者Email yzc@cueb.edu.cn;zhdhjszay@sina.cn 
中文关键词幸福 信贷需求 信贷获得 信贷约束 
Key WordsHappiness; Credit Demand; Credit Accessibility; Credit Constraints 
内容提要本文基于中国家庭金融调查(CHFS)数据,选择工具变量,采用极大似然估计方法发现,家庭信贷需求显著降低家庭幸福的概率。进一步研究发现,正规信贷获得显著增强家庭幸福,非正规信贷获得显著降低家庭幸福。本文还发现,信贷约束显著降低家庭幸福的概率,其中,无信心借款者和申请被拒绝两类家庭幸福的概率都显著下降。本文的政策含义是,大力发展正规金融,提升正规金融服务水平,缓解家庭信贷约束,提高家庭正规信贷获得,增加家庭幸福感。此外,规范推进非正规金融,降低交易成本,增进家庭福祉,促进社会和谐。 
AbstractBased on China Household Finance Survey data in 2013, by choosing Instrumental Variable and using Maximum Likelihood estimation, this paper finds households’ credit demand can significantly reduce the probability of households’ happiness. Further, this paper finds formal credit accessibility can significantly improve households’ happiness and informal credit accessibility can significantly reduce households’ happiness. In addition, this paper finds households’ credit constraints can significantly reduce the probability of households’ happiness. For discouraged borrowers and refused applicants, the probability of happiness is significantly reduced. The policy implication is that developing formal finance, improving formal finance service, releasing credit constraints, and improving formal credit accessibility can increase households’ happiness. Additionally, promoting informal finance and lowering transaction costs can improve households’ well-being and promote social harmony. 
文章编号WP1281 
登载时间2018-06-28 
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