Debt and distress: Evaluating the psychological cost of credit
Debt and distress: Evaluating the psychological cost of credit
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DOI：
10.1016/j.joep.2005.01.002
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发表时间：
2005-10-01
影响因子：
3.5
通讯作者：
Price, SW
中科院分区：
文献类型：
--
作者：
Brown, S;Taylor, K;Price, SW
在本文中，我们探讨了债务和心理健康之间的关联使用英国家庭调查的户主。我们的主要发现是，那些拥有未偿还（非抵押）信贷的户主，以及那些拥有更高数额的此类债务的户主，报告完全心理健康的可能性要小得多。当未偿信贷是在个人而不是家庭层面上衡量时，心理痛苦的平均增加幅度更大。在抵押债务的情况下，没有发现这种显著的关联。我们的研究结果突出了与英国消费信贷文化相关的心理成本。(c)2005 Elsevier B.V.保留所有权利。
In this paper we explore the association between debt and psychological well-being amongst heads of households using the British Household Panel Survey. Our principle finding is that those household heads who have outstanding (non-mortgage) credit, and who have higher amounts of such debt, are significantly less likely to report complete psychological well-being. The average increase in the psychological distress is greater when outstanding credit is measured at the individual, as opposed to household, level. No such significant association is found in the case of mortgage debt. Our results highlight the psychological cost associated with the consumer credit culture in Britain. (c) 2005 Elsevier B.V. All rights reserved.