Mental Disorder in People with Debt in the General Population
Mental Disorder in People with Debt in the General Population
复制标题
普通人群中负债者的精神障碍
DOI：
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发表时间：
2009
期刊：
影响因子：
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通讯作者：
H. Meltzer
中科院分区：
文献类型：
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作者：
R. Jenkins;P. Bebbington;T. Brugha;D. Bhugra;M. Farrell;J. Coid;N. Singleton;H. Meltzer
这项研究的主要目的是检验这一假设，即在一般人群中，有债务的人比没有债务的人更容易患精神疾病，并检查这种关系是否因疾病类型和债务类型而异。这项研究设计是一项具有全国代表性的横断面调查，调查对象是英格兰、苏格兰和威尔士的私人家庭。共有8545名16-74岁的成年人参加。主要的结果指标是神经症，精神病，酒精滥用和药物滥用，通过结构化评估，包括SCAN，AUDIT和其他措施确定。详细询问了财务和债务问题。结果表明，一般人口中约有一半的债务人患有精神障碍，而没有债务的一般人口中有14%，一般人口中有15%。与没有债务的人相比，有债务的人患神经症的几率是没有债务的人的两到三倍，精神病的几率是没有债务的人的三倍，酒精依赖的几率是没有债务的人的两倍多，药物依赖的几率是没有债务的人的四倍。与那些没有断开连接的人相比，减少使用公用事业和从非正式渠道借钱分别与三到四倍，两倍和两到三倍的障碍率有关。总而言之，债务、断开的公用事业、试图减少公用事业的消费以及从非正规渠道借款都是各种精神障碍发生率显著上升的预测因素。无论这种关联是因果关系、精神疾病的结果还是相互关系，这些发现都证明了债务对普通人群的重大公共健康影响的心理健康方面;并对债务政策、债务咨询机构以及管理贷款、偿还和追求债务回收的公司产生影响。
The main objective of this study is to test the hypothesis that mental disorder is more common in people with debt in the general population than in people with no debts, and to examine whether this relationship varies with type of disorder and type of debt. The study design is a cross sectional nationally representative survey among private households in England, Scotland and Wales. There were 8545 adults participants aged 16-74. The main outcome measures are Neurosis, psychosis, alcohol abuse and drug abuse, identified through structured assessments including SCAN, AUDIT and other measures. Detailed questions were asked about finances and debts. The results have shown that around half of people with debts in the general population have a mental disorder, compared with 14% of the general population with no debts, and 15% of the general population. People in debt have two to three times the rate of neurosis, three times the rate of psychosis, over twice the rate of alcohol dependence and four times the rate of drug dependence as people with no debt. Having had a disconnected utility, cutting down on utility use and borrowing money from informal sources are respectively associated with three to four times, twice, and two to three times increased rates of disorder compared to those who have not. In conclusion debt, disconnected utilities, trying to reduce consumption of utilities and borrowing from informal sources are all predictors of markedly raised rates of all kinds of mental disorder. Whether the association is causal, an outcome of mental illness or reciprocal, these findings demonstrate the mental health aspects of the significant public health impact of debt in the general population; and have implications for debt policy, debt counselling agencies and for companies managing loans, repayments and pursuing debt recovery.