| (1) 2010 | (2) 2014 | (3) 2016 | (4) 2018 |
Online social network | 0.294*** | 0.331*** | 0.347*** | 0.235*** |
| (0.062) | (0.049) | (0.041) | (0.026) |
Consumption loan | 0.236*** | 0.210*** | 0.299*** | 0.222*** |
| (0.021) | (0.031) | (0.033) | (0.029) |
Online social network * Consumption loan | 0.227** | 0.170* | −0.257*** | −0.053 |
| (0.111) | (0.094) | (0.076) | (0.043) |
Age | 0.049*** | 0.025*** | 0.026*** | 0.005 |
| (0.005) | (0.007) | (0.008) | (0.004) |
Age2 | −0.001*** | −0.0004*** | −0.0003*** | −0.0001*** |
| (0.000) | (0.000) | (0.000) | (0.000) |
Gender | 0.029 | 0.010 | 0.007 | −0.009** |
| (0.025) | (0.026) | (0.028) | (0.005) |
Edu | 0.112*** | 0.028*** | 0.097*** | 0.004** |
| (0.009) | (0.008) | (0.013) | (0.002) |
Health | 0.008 | 0.006 | 0.029*** | 0.023*** |
| (0.009) | (0.009) | (0.010) | (0.007) |
Marry | 0.294*** | 0.311*** | 0.269*** | 0.065*** |
| (0.033) | (0.039) | (0.039) | (0.010) |
Employ | −0.0001 | −0.044 | −0.041 | 0.043*** |
| (0.020) | (0.035) | (0.036) | (0.009) |
Familysize | 0.123*** | 0.147*** | 0.135*** | 0.167*** |
| (0.006) | (0.007) | (0.006) | (0.005) |
Ln_income | 0.154*** | 0.145*** | 0.172*** | 0.301*** |
| (0.023) | (0.032) | (0.026) | (0.010) |
Cons | 7.922*** | 9.092*** | 8.760*** | 7.310*** |
| (0.204) | (0.250) | (0.286) | (0.244) |
N | 6142 | 4497 | 4382 | 5741 |
R-sq | 0.292 | 0.319 | 0.297 | 0.425 |