变量 | 信贷约束 | 金融能力 | 家庭金融脆弱性 | ||
| (1) | (2) | (3) | (4) | |
金融素养 | 0.02 | 0.95*** | −0.08*** | −0.05** | |
| (0.85) | (28.90) | (−4.84) | (−2.58) | |
信贷约束 |
|
| 0.60*** |
| |
|
|
| (15.63) |
| |
金融能力 |
|
|
| −0.25*** | |
|
|
|
| (−7.02) | |
性别 | 0.06 | −0.17*** | −0.08*** | −0.08*** | |
| (1.46) | (−4.26) | (−3.19) | (−3.19) | |
受教育程度 | −0.07*** | 0.045*** | 0.02* | 0.01 | |
| (−5.11) | (3.37) | (1.89) | (1.54) | |
年龄 | −0.02*** | 0.015*** | −0.03*** | −0.03*** | |
| (−9.91) | (7.59) | (−21.47) | (−21.92) | |
健康状况 | −0.25*** | 0.17** | −0.36*** | −0.37*** | |
| (−4.75) | (2.25) | (−10.25) | (−10.73) | |
婚姻状况 | −0.05 | −0.01 | −0.01 | −0.02 | |
| (−0.80) | (−0.10) | (−0.30) | (−0.46) | |
党员 | −0.17*** | −0.04 | −0.01 | −0.02 | |
| (−3.29) | (−0.83) | (−0.26) | (−0.69) | |
家庭规模 | 0.14*** | −0.09*** | 0.12*** | 0.13*** | |
| (10.75) | (−5.45) | (13.87) | (15.09) | |
非劳动力占比 | −0.20*** | 0.13*** | 0.03 | 0.02 | |
| (−3.23) | (2.93) | (0.82) | (0.59) | |
总收入 | −0.08*** | 0.31*** | −0.15*** | −0.15*** | |
| (−5.66) | (13.35) | (−14.06) | (−14.08) | |
风险偏好 | 0.09*** | 0.03 | 0.07*** | 0.08*** | |
| (3.47) | (1.14) | (3.90) | (4.60) | |
常数项 | 0.28 | − | − | − | |
| (1.45) | − | − | − | |
N | 12,787 | 12,787 | 12,787 | 12,787 | |