Attitudes towards Debt and Debt Behavior*
引入一种新的债务态度调查指标，结合瑞典家庭面板数据，发现该指标能解释个体负债差异及2004-2007年的债务积累与消费行为，且债务态度具有家庭传承和文化因素。
Abstract We introduce a novel survey measure of attitude towards debt. Matching our survey results with panel data on Swedish household balance sheets from registry data, we show that our measure of debt attitude helps to explain individual variation in indebtedness as well as debt build‐up and spending behavior in the period 2004–2007. As an explanatory variable, debt attitude compares well with a number of other determinants of debt, including education, risk‐taking, and financial literacy. We also provide evidence that suggests that debt attitude is passed down along family lines and has a cultural element.