Consumer debt and satisfaction in life.
Consumer debt and satisfaction in life.
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消费者债务和生活满意度。
DOI：
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发表时间：
2020
期刊：
影响因子：
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通讯作者：
Cassie Mogilner
中科院分区：
文献类型：
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作者：
A. Greenberg;Cassie Mogilner
生活中的主要消费，如买房或上大学，往往涉及背负相当大的债务。下游的情感后果是什么？背负债务是否会影响消费者对生活的总体满意度？七项研究考察了消费者的债务持有量与生活满意度之间的关系，结果表明，这种影响取决于债务的类型。虽然抵押贷款往往是消费者最大的债务，尽管信用卡余额往往利率最高，但我们在不同的美国成年人样本(N=5808)中发现，与较低生活满意度水平最密切相关的债务类型是学生贷款。我们进一步发现，消费者在心理上将一种特定的债务类型标记为“债务”的程度，会驱动这些债务的情感后果，与其他债务类型相比，学生贷款更多地被视为“债务”。总而言之，这些发现表明，背负债务可能会损害人们的整体主观幸福感，特别是当他们的债务被认为是这样的时候。(JuncINFO数据库记录(C)2020 APA，版权所有)。
Life's major purchases, such as buying a home or going to college, often involve taking on considerable debt. What are the downstream emotional consequences? Does carrying debt influence consumers' general sense of satisfaction in life? Seven studies examine the relationship between consumers' debt holdings and life satisfaction, showing that the effect depends on the type of debt. Though mortgages tend to comprise consumers' largest debts, and though credit card balances tend to have the highest interest rates, we found among a diverse sample of American adults (N = 5,808) that the type of debt most strongly associated with lower levels of life satisfaction is student loans. We further found that the extent to which consumers mentally label a given debt type as "debt" drives the emotional consequences of those debt holdings, and compared to the other debt types, student loans are perceived more as "debt." Together the findings suggest that carrying debt can spill over to undermine people's overall subjective well-being, especially when their debt is perceived as such. (PsycInfo Database Record (c) 2020 APA, all rights reserved).
DOI：
10.1093/oep/gpr051
发表时间：
2012-01
期刊：
Oxford economic papers
影响因子：
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作者：
Deaton A
通讯作者：
Deaton A