家庭债务对碳排放的影响及其机制研究  

Study on the Impact of Household Debt on Carbon Emissions and Its Mechanisms

作　　者：张敏锋 朱鑫婷 ZHANG Minfeng;ZHU Xinting(School of Business,Minnan Normal University,Zhangzhou,Fujian 363000,China;School of Mathematics and Statistics,Minnan Normal University,Zhangzhou,Fujian 363000,China)

机构地区：[1]闽南师范大学商学院,福建漳州363000 [2]闽南师范大学数学与统计学院,福建漳州363000

出　　处：《兰州交通大学学报》2025年第1期67-76,共10页Journal of Lanzhou Jiaotong University

基　　金：国家社会科学基金(19XJL001);福建省自然科学基金(2024J01823)。

摘　　要：基于中国家庭追踪调查数据,采用消费者生活方式法测算了2014-2020年我国家庭碳排放水平。通过双向固定面板模型,分析家庭债务对其碳排放的影响及机制。研究发现:我国家庭碳排放逐年增加,间接碳排放占主体;家庭债务显著增加碳排放,杠杆率每增长1单位,碳排放增加9.5%;风险态度强化了债务对碳排放的正向作用;收入不平等、消费结构受抑、社会网络扩张是家庭债务增加碳排放的重要机制;处于城市、东部地区及受金融排斥的家庭债务的碳排放负面效应更高。因此,应加强家庭债务监管,发展普惠金融,实行分区域的绿色信贷政策,加快新质生产力发展,以实现降低家庭债务风险与碳减排的“双赢”。Using data from the China Household Tracking Survey(CFPS),this study employs the consumer lifestyle method to measure household carbon emissions in China from 2014 to 2020.A two way fixed effects panel model is utilized to analyze the impact of household debt on carbon emissions and its underlying mechanisms.The results indicate that household carbon emissions in China have been increasing year by year,with indirect emissions accounting for the majority.Household debt significantly contributes to carbon emissions,with a 1 unit increase in leverage leading to a 9.5%rise in emissions.Risk attitudes amplify the positive relationship between household debt and carbon emissions.Furthermore,income inequality,constrained consumption structures,and the expansion of social networks are identified as key mechanisms through which household debt drives carbon emissions.The negative effects of debt on carbon emissions are more pronounced among urban households,households in eastern regions,and those experiencing financial exclusion.Therefore,it is necessary to strengthen supervision of household debt,develop inclusive finance,implement differentiated green credit policies and accelerate the development of new productive forces to achieve a"win win"situation in reducing household debt risks and carbon emissions.

关 键 词：收入不平等 消费 社会互动 金融排斥 

分 类 号：F822.9[经济管理—财政学]