Household Individual Characteristics' Impact on Borrowing Behavior—Survey from Household in China
利用CFPS微观数据，通过Logit和Probit模型实证分析家庭个体特征对是否借贷及借贷方式的影响，为理解家庭消费金融意识提供参考。
Financial market is increasingly more important to support household borrowing and stimulate consumption. As an important reflect of household consumer finance consciousness,borrowing behavior is receiving more attentions.This paper defines the borrowing behavior as:1.whether borrowing behavior has happened in household;2.how household gets it.By microeconomic data of CFPS,the paper uses Logit and Probit model to analyze the household individual characteristics' influence on borrowing behavior empirically,explaining the influence conditions of different individual characteristics,and what's more,relevant results and inspirations are also available.