| Designation | Symbol | Definition |
| Core variable |
|
|
| Household consumption expenditure | Ln_expense | Logarithm of the household consumption expenditure |
| Online social network | D_inter | If household head surfs the internet through cell phones or computers, the variable = 1; otherwise, the variable = 0 |
| Number of formal financial institutions | finstitution | Number of provincial formal financial institutions |
| Availability of household consumption loans | D_exdebt | If households have consumption loans in addition to the house loan, the variable = 1; otherwise, the variable = 0 |
| Household head characteristics variables |
|
|
| Age | age | Age of the household head |
| Gender | gender | Male = 1; female = 0 |
| Educational level | edu | Uneducated = 1, primary school = 2, middle school = 3, high school = 4, junior college = 5, regular college = 6, master’s degree = 7, doctor’s degree = 8 |
| Marriage status | marry | Married = 0, unmarried = 1 |
| Employment status | employ | Employed = 1, unemployed = 0 |
| Health level | health | Healthy = 1, average level = 2, less healthy = 3, unhealthy = 4, extremely unhealthy = 5 |
| Household characteristics variables |
|
|
| Family size | Familysize | Number of family members |
| Family net income | Ln_fincome | Logarithm of family income |