| (1) 2010 | (2) 2014 | (3) 2016 | (4) 2018 |
Online social network | 0.346*** | 0.471*** | 0.369*** | 0.243*** |
| (0.027) | (0.031) | (0.033) | (0.022) |
Consumption loan | 0.200*** | 0.069* | 0.141*** | 0.140*** |
| (0.028) | (0.041) | (0.048) | (0.039) |
Online social network * Consumption loan | 0.072 | 0.064 | 0.146** | 0.075* |
| (0.062) | (0.072) | (0.072) | (0.046) |
Age | 0.003 | 0.013** | 0.016** | 0.009** |
| (0.004) | (0.006) | (0.007) | (0.004) |
Age2 | −5.13e−05 | −0.0002*** | −0.0002** | −0.000*** |
| (0.000) | (0.000) | (0.000) | (0.000) |
Gender | −0.043** | −0.038 | −0.118*** | 0.006 |
| (0.019) | (0.024) | (0.026) | (0.004) |
Edu | 0.174*** | 0.062*** | 0.141*** | 0.005** |
| (0.008) | (0.007) | (0.011) | (0.002) |
Health | 0.004 | −0.004 | −0.001 | 0.019*** |
| (0.009) | (0.011) | (0.011) | (0.008) |
Marry | 0.264*** | 0.271*** | 0.282*** | 0.055*** |
| (0.028) | (0.035) | (0.038) | (0.009) |
Employ | 0.002 | 0.106*** | 0.191*** | 0.041*** |
| (0.020) | (0.029) | (0.031) | (0.008) |
Familysize | 0.123*** | 0.145*** | 0.145*** | 0.198*** |
| (0.007) | (0.008) | (0.008) | (0.005) |
Ln_income | 0.168*** | 0.170*** | 0.199*** | 0.431*** |
| (0.020) | (0.032) | (0.027) | (0.009) |
Cons | 9.077*** | 9.706*** | 9.617*** | 5.795*** |
| (0.136) | (0.190) | (0.231) | (0.156) |
N | 5698 | 4031 | 3984 | 6114 |
R-sq | 0.346 | 0.317 | 0.320 | 0.461 |