Debt and Overindebtedness: Psychological Evidence and its Policy Implications

IF 7.2 1区心理学 Q1 PSYCHOLOGY, SOCIAL

Social Issues and Policy Review Pub Date : 2020-11-26 DOI:10.1111/sipr.12074

S. Lea

引用次数: 12

Abstract

This paper reviews psychological studies of real-life use of credit, debt, and overindebtedness, with the aim of making policy recommendations that could reduce the damage done by debt to both individuals and society. The overall level of debt in society is heavily influenced by the level of economic inequality and social insecurity, and no psychological factor can prevent debt if excessive socioeconomic disadvantage is not addressed. Within that constraint, psychological precursors to debt problems, psychological impacts of debt, and psychological strategies to help people get out of debt can be identified. Research results in these areas are used to formulate a series of recommendations that could help mitigate debt problems.

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债务和过度负债:心理证据及其政策含义

本文回顾了现实生活中对信贷、债务和过度负债使用的心理学研究，旨在提出政策建议，以减少债务对个人和社会造成的损害。社会的总体债务水平受到经济不平等和社会不安全程度的严重影响，如果不解决过度的社会经济劣势，任何心理因素都无法防止债务。在这种约束下，可以确定债务问题的心理前兆，债务的心理影响以及帮助人们摆脱债务的心理策略。这些领域的研究成果被用来拟订有助于减轻债务问题的一系列建议。

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

Social Issues and Policy Review Multiple-

CiteScore

22.20

自引率

1.10%

发文量

期刊介绍： The mission of Social Issues and Policy Review (SIPR) is to provide state of the art and timely theoretical and empirical reviews of topics and programs of research that are directly relevant to understanding and addressing social issues and public policy.Papers will be accessible and relevant to a broad audience and will normally be based on a program of research. Works in SIPR will represent perspectives directly relevant to the psychological study of social issues and public policy. Contributions are expected to be review papers that present a strong scholarly foundation and consider how research and theory can inform social issues and policy or articulate the implication of social issues and public policy for theory and research.