使用信用卡能帶來幸福？中國家庭金融調查實證分析

CAN CREDIT CARDS MAKE US HAPPY? AN EMPIRICAL ANALYSIS OF CHINESE HOUSEHOLD FINANCE SURVEY

本文利用2015年中國家庭金融中心資料，以ordered logit model探討信用卡負債影響戶主幸福感程度，同時納入背景變數、財務變數與理財素養等影響因素，另外估算各自變數對幸福感之預測機率與對幸福感之邊際效益。結果顯示：已婚、共產黨員與高資產的戶主，幸福感較高。信用卡債務餘額對幸福感產生顯著負相關；「一般幸福」類別中邊際效應為正，說明於「一般幸福」類別上，戶主適度的使用信用卡可以帶來幸福感，但是於「幸福、非常幸福」類別情形有負的邊際效應，高債款餘額增加後，幸福感降低了。

This study discusses the effects of credit card debt on happiness in China based on the data of the China household finance survey completed in 2015. The ordered logit regression model is adopted as the key research method, and the conclusions derived are as follows. Married, communist household heads with more assets have a higher sense of happiness. The increase in credit card debt is negatively correlated with happiness. In the case of marginal effect, the coefficient in the ＂quite happy＂ level is positive, which means that in this ordinal scale, the proper way to use a credit card can make household heads happier, while in the ＂happy, very happy＂ level, there is a negative marginal effect on high credit card debt, in which household heads with more debt are less happy.