Debt and Subjective Well-being: The Other Side of the Income-Happiness Coin
Debt and Subjective Well-being: The Other Side of the Income-Happiness Coin
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债务和主观幸福感：收入-幸福硬币的另一面
DOI：
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发表时间：
2016
影响因子：
4.6
通讯作者：
Lauren Kuykendall
中科院分区：
文献类型：
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作者：
L. Tay;Cassondra Batz;Scott Parrigon;Lauren Kuykendall
为了促进对债务及其后果这一主题的研究，我们进行了一次系统的回顾，以整合债务的不同概念，并建立一个概念模型，解释债务影响主观幸福感（SWB）的机制。我们的概念模型编织了两个共同的主题，从以前的文献：（a）一个自下而上的溢出的角度来看，债务影响SWB通过金融领域（和可能的其他生活领域，通过溢出产生负面影响）;和（B）资源的角度来看，债务是财政资源的压力，这反过来又降低了SWB。此外，我们回顾过去的实证研究评估债务和主观幸福感之间的联系。来自20项研究的大多数关联（90%）揭示了债务和主观幸福感之间至少有一个显着的负面影响。此外，对七项研究的随机效应荟萃分析显示，债务和主观幸福感之间存在微小的关系（r =-0.07），尽管债务水平、债务来源和总体财务资源等似乎也存在关键的调节因素。为了检验我们的概念模型，我们进行了一个大规模的代表性样本的大学毕业生与互联网接入在美国（N = 2781）的调节中介分析，以检查学生贷款对主观幸福感的影响。债务和收入分别占生活满意度预测方差的40%和60%。此外，自下而上的观点和资源观点也得到了支持。一个关键的限制是关于债务和主观幸福感的研究不多。讨论了未来的研究领域。
To spur research on the topic of debt and its consequences, we conducted a systematic review to integrate the different conceptualizations of debt and to develop a conceptual model explaining mechanisms through which debt influences subjective well-being (SWB). Our conceptual model weaves two common themes from the prior literature: (a) a bottom-up spillover perspective where debt affects SWB via the financial domain (and possibly other life domains that are negatively affected through spillover); and (b) a resource perspective wherein debt is a strain on financial resources which, in turn, lowers SWB. Further, we review past empirical studies assessing the linkage between debt and SWB. A majority of associations (90 %), from 20 studies, revealed at least one significant negative effect between debt and SWB. Further, a random effects meta-analysis of seven studies showed a small relationship between debt and SWB (r = −.07), although there also appear to be critical moderators such as levels of debt, source of debt, and overall financial resources. To test our conceptual model, we conduct a moderated mediation analysis of a large scale representative sample of college graduates with Internet access in the United States (N = 2781) to examine the effects of student loans on SWB. Debt and income accounted for 40 and 60 % of the predicted variance of life satisfaction, respectively. In addition, the bottom-up perspective and resource perspectives were supported. One critical limitation is that there are not many studies on debt and SWB. Future areas for research are discussed.
美国和日本老年人的经济压力和心理健康。
影响因子：
3.7
作者：
Krause,N;Jay,G;Liang,J
通讯作者：
Liang,J