Psychological and behavioral consequences of debt and its mechanism
摘要: 债务是指个体现在或将来负有向他人或机构还款的法律或道德义务。随着我国居民负债水平的持续上升，它所造成的心理和行为后果值得关注。债务引发的债务压力会导致个体有较差的心理健康水平和较多的短视行为、消费行为以及不道德行为，并对其伴侣和子女有潜在的影响。债务的影响机制包括两条路径：心理需要受阻和补偿机制以及认知资源损耗机制。未来研究应探究债务的其他心理和行为后果并寻找边界条件，梳理债务的特征维度，拓展债务的研究方法，以及构建解释债务后果的整合理论。
Abstract: Debt is a legally or morally binding obligation on the part of an individual to repay another person or institution, either immediately or at some point in the future. As the prevalence of indebtedness among Chinese residents continues to escalate, there is growing concern over the psychological and behavioral repercussions associated with debt. Debt-induced stress can result in adverse effects on mental health, shortsighted decision-making, consumption patterns, and even unethical bebavior. Furthermore, these impacts may extend beyond the indebted individual, affecting their romantic partner and offspring. The negative effects of indebtedness can be elucidated through the threat-compensation mechanism and the cognitive resource depletion mechanism. Future research is suggested to identify additional psychological and behavioral consequences stemming from indebtedness, delineate the boundaries of these effects, explore the various dimensions of debt, develop new methodologies and paradigms for studying debt, and ultimately construct an integrated theoretical framework that describes the nature of indebtedness and provides insights into its consequences.
| [V1] | 2023-09-12 01:11:45 | ChinaXiv:202309.00109V1 | 下载全文 |
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