The Socioecological Psychology of Financial Debts: The Role of Residential Mobility

IF 2.4 3区心理学 Q2 PSYCHOLOGY, SOCIAL

Journal of Cross-Cultural Psychology Pub Date : 2023-11-07 DOI:10.1177/00220221231204221

Shigehiro Oishi, Asuka Komiya, Minkyung Koo, Youngjae Cha, Radhika Kothari

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Abstract

We examined individual, regional, and cultural differences in household debts and identified residential mobility as a key socioecological variable at multiple levels of analysis. Study 1 found that American households’ debt rates were higher than Japanese debt rates. Across 76 countries, household debts were higher in residentially mobile countries than those in residentially stable ones (Study 2). Next, across 144 U.S. cities, residents of residentially mobile cities had more credit card debts than those of residentially stable cities (Study 3). We further replicated the international and U.S. findings across 366 districts in India (Study 4). Study 5 found that American participants were more residentially mobile and more willing to borrow than Japanese participants, and the willingness to borrow was partly explained by the personal history of residential mobility. Study 6 found that residentially mobile individuals felt less indebtedness/gratitude than residentially stable individuals; the study also found how indebtedness/gratitude impacted individuals’ credit card debts and willingness to borrow.

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金融债务的社会生态心理:居住流动性的作用

我们研究了家庭债务的个体、区域和文化差异，并将住宅流动性确定为多层次分析的关键社会生态变量。研究1发现，美国家庭的负债率高于日本。在76个国家中，人口流动国家的家庭债务高于人口稳定国家(研究2)。接下来，在144个美国城市中，居住流动性城市的居民比居住稳定城市的居民有更多的信用卡债务(研究3)。我们进一步在印度366个地区复制了国际和美国的研究结果(研究4)。研究5发现，美国参与者比日本参与者更具居住流动性，更愿意借贷，而个人居住流动性历史部分解释了借贷意愿。研究6发现，与居住稳定的个体相比，居住流动的个体更少感到负债/感激;该研究还发现负债/感恩如何影响个人的信用卡债务和借贷意愿。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Cross-Cultural Psychology PSYCHOLOGY, SOCIAL-

CiteScore

4.60

自引率

6.70%

发文量

期刊介绍： Journal of Cross-Cultural Psychology publishes papers that focus on the interrelationships between culture and psychological processes. Submitted manuscripts may report results from either cross-cultural comparative research or results from other types of research concerning the ways in which culture (and related concepts such as ethnicity) affect the thinking and behavior of individuals as well as how individual thought and behavior define and reflect aspects of culture. Review papers and innovative reformulations of cross-cultural theory will also be considered. Studies reporting data from within a single nation should focus on cross-cultural perspective. Empirical studies must be described in sufficient detail to be potentially replicable.