| 居民债务对房地产金融风险的影响研究——基于非理性行为视角 |
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| 引用本文：鞠 方，李 宁，周建军.居民债务对房地产金融风险的影响研究——基于非理性行为视角[J].湖南大学学报社会科学版,2023,(4):57-64 |
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| 中文摘要:使用2007-2020年我国31个省、市、自治区面板数据，运用空间计量模型考察居民债务对房地产金融风险的影响以及非理性行为的调节效应。研究发现：我国房地产金融风险存在明显的空间溢出效应；居民债务对房地产金融风险有显著正向影响，且该影响存在地区异质性，东部地区受到的影响小于中西部地区。进一步分析表明,非理性行为在居民债务影响房地产金融风险的过程中具有正向调节效应。 |
| 中文关键词:居民债务；房地产 金融风险；非理性行为 |
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| Research on the Impact of Household Debt on Real Estate Financial Risks: Based on the Perspective of Irrational Behavior |
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| Abstract:Based on the panel data of 31 provinces，municipalities and autonomous regions in China from 2007 to 2020, this paper uses spatial econometric model to investigate the impact of household debt on real estate financial risks and the moderating effect of irrational behavior. It is found that there is an obvious spatial spillover effect of real estate financial risks in China. Household debt has a significant positive impact on real estate financial risks, and there is regional heterogeneity in the impact, the eastern region is less affected than the central and western regions. Further analysis shows that irrational behavior has a positive moderating effect on the process of household debt affecting real estate financial risks. |
| keywords:household debt real estate financial risks irrational behavior |
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