教育债务和家庭消费升级:积极的激励或抑制?
Mianbi Xie1, Xin Chen1, Yingying Zhao1
1College of Finance and Economics, Jimei University, Xiamen, China.
PloS one
|October 13, 2025
概括
家庭教育债务通过增强互联网使用,大大提高了消费升级. 这一发现对中国的教育公平性和消费者需求有影响.
科学领域:
- 经济学 经济学 经济学
- 家庭金融 家庭金融
- 消费者行为 消费者行为
背景情况:
- 家庭教育债务与消费模式有关.
- 教育被认为是高质量的发展性消费.
研究的目的:
- 调查家庭教育债务对消费热情和升级的影响.
- 分析教育债务影响消费的机制.
主要方法:
- 利用了2013年至2021年中国家庭财务调查 (CHFS) 的面板数据.
- 雇佣了家庭层面的分析来检查教育债务的影响.
主要成果:
- 教育债务显著促进了家庭消费升级.
- 互联网消费水平调解了教育债务对消费的积极影响.
- 家庭的风险态度调节了教育债务和消费升级之间的关系.
- 在城市/农村地区,高财务素养,中低收入和中等杆家庭中观察到的积极影响.
结论:
- 教育债务是家庭消费升级的关键驱动力.
- 调查结果有助于理解家庭债务,消费动态,促进教育公平和消费需求在中国.
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