{"title":"Debt and Overindebtedness: Psychological Evidence and its Policy Implications","authors":"S. Lea","doi":"10.1111/sipr.12074","DOIUrl":null,"url":null,"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.","PeriodicalId":47129,"journal":{"name":"Social Issues and Policy Review","volume":" ","pages":""},"PeriodicalIF":7.2000,"publicationDate":"2020-11-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/sipr.12074","citationCount":"12","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Social Issues and Policy Review","FirstCategoryId":"102","ListUrlMain":"https://doi.org/10.1111/sipr.12074","RegionNum":1,"RegionCategory":"心理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"PSYCHOLOGY, SOCIAL","Score":null,"Total":0}
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.
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.
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