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研究生: 張惠甄
Chang, Hui-Chen
論文名稱: 信用卡對幸福感之影響效果-來自中國家庭金融調查(CHFS)數據的實證研究
Credit Card Effect on Happiness from China Household Finance Survey (CHFS) Data
指導教授: 曾永清
Tseng, Yung-Ching
口試委員: 邱哲修
Chiou, Jer-Shiou
郝充仁
Hao, Chung-Jen
口試日期: 2021/01/08
學位類別: 碩士
Master
系所名稱: 公民教育與活動領導學系
Department of Civic Education and Leadership
論文出版年: 2021
畢業學年度: 109
語文別: 中文
論文頁數: 92
中文關鍵詞: CHFS幸福感信用卡欠款餘額理財知識理財態度ordered logit model
英文關鍵詞: CHFS, happiness, credit card balance, financial knowledge, financial attitude, ordered logit model
研究方法: 次級資料分析
DOI URL: http://doi.org/10.6345/NTNU202100500
論文種類: 學術論文
相關次數: 點閱:215下載:42
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  • 隨中國家戶負債逐年攀高的趨勢,間接可能影響居民的生活滿意度。本研究 利用2015年中國家庭金融調查(China Household Finance Survey, CHFS)數據資料,探討信用卡負債影響居民幸福感程度,同時納入理財知識、理財態度與風險態度對信用卡欠款餘額之關係探討。另說明不同背景變項對幸福感之顯著差異,及與不同背景變項、自變項與信用卡欠款餘額的相關性。本研究使用ordered logit model欲得出幸福感之預測機率與各變項對幸福感之邊際效益。統計結果發現人口變項對幸福感、信用卡欠款餘額大多具有顯著差異,且「女性、教育程度、共產黨員、健康狀況、資產、風險態度、信用卡欠款餘額」對幸福感具有顯著效果。其中女性相較男性、共產黨員較非共產黨員身分者幸福感勝算比高,另在不同程度的幸福感邊際效應下出現正負向效果。

    With the rising household debt in China, it may indirectly affect the life satisfaction of residents. This study used data from the China Household Finance Survey(CHFS) in 2015 to explore the extent to which credit card debt affects residents’ happiness. At the same time, it used financial knowledge, financial attitude and risk attitude to illustrate the significant differences in the happiness. Besides, this research also found the correlation between independent variable, background variables and credit card balance. This study used the ordered logit model to obtain the prediction probability of happiness, and the marginal probability of various variables to happiness. Finally, the statistical results found that background variables have significant differences in happiness and credit card balance, and "female, education level, CCP members, health status, assets, risk attitude, credit card balance" have significant effect on happiness. Among them, women have a higher odds ratio in happiness than men, and CCP members’ happiness odds ratio also higher than those who are non-CCP members. In addition, there are positive and negative marginal effects with vary degrees of happiness.

    第一章 緒論 1 第一節 研究背景 1 第二節 研究動機與目的 4 第三節 研究問題與假設 6 第四節 研究限制 8 第二章 文獻探討 10 第一節 幸福感相關理論與研究 10 第二節 負債與信用卡相關研究 17 第三節 信用卡與幸福感的關係研究 22 第四節 背景因素與幸福感之相關研究 26 第五節 理財知識、態度與幸福感之相關研究 32 第三章 研究設計 34 第一節 研究流程 34 第二節 研究資料來源與處理 35 第三節 資料分析與統計模式 36 第四節 模型設計 37 第四章 研究結果與討論 43 第一節 背景變項敘述統計 43 第二節 背景變項對幸福感、信用卡行為之差異分析 49 第三節 相關係數矩陣 59 第四節 次序羅吉特迴歸模型(OLM) 62 第五章 結論與建議 72 第一節 結論 72 第二節 建議 75 參考文獻 79

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