人工智能应用是否影响了家庭债务?——来自中国家庭金融调查(CHFS)的经验证据  

Are Artificial Intelligence Applications Affecting Household Debt?——Empirical Evidence from the China Household Finance Survey(CHFS)

作　　者：林常青 涂钰珺 Lin Changqing;Tu Yujun(School of Economics and Trade,Hunan University of Technology,Zhuzhou 412007,Hunan,China)

机构地区：[1]湖南工业大学经济与贸易学院,湖南株洲412007

出　　处：《金融发展研究》2024年第6期79-88,共10页Journal Of Financial Development Research

基　　金：湖南省自然科学基金“产品空间视角下我国企业出口贸易高质量发展的机制与路径研究”(2023JJ30218)。

摘　　要：本文基于2015年、2017年中国家庭金融调查(CHFS)数据,考察了人工智能应用对家庭债务的影响,并从信贷供求渠道验证了两者间的作用机制。研究结果显示,人工智能应用抑制了家庭债务规模的上升。异质性检验结果表明,人工智能应用更容易抑制户主为低教育水平的家庭、农村户口家庭、西部地区家庭以及低人力资本存量地区家庭的债务扩张。作用机制检验结果表明,人工智能应用主要通过紧缩信贷供给从而抑制了家庭债务上涨。Based on the 2015 and 2017 China Household Finance Survey(CHFS)data,this paper examines the impact of AI applications on household debt and verifies the mechanism of interaction between the two from the credit supply and demand channel.The results of the study show that AI applications inhibit the rise in the size of household debt.The results of the heterogeneity test indicate that AI applications are more likely to dampen the debt expansion of households headed by low education levels,rural households,households in the western region,and households in regions with low human capital stock.The results of the mechanism of action test indicate that AI applications dampen the rise in household debt mainly by tightening the supply of credit and thus.

关 键 词：人工智能应用 家庭债务 劳动力就业 信贷供求 

分 类 号：F832.479[经济管理—金融学]