我国城镇家庭资产对其消费行为影响的经验研究

发布时间：2018-02-11 14:22

本文关键词： 城镇家庭资产家庭消费消费行为分位数回归模型　出处：《财经问题研究》2017年05期 　论文类型：期刊论文

【摘要】：本文利用CHFS数据,通过分位数回归模型,研究了我国城镇家庭资产存量及其结构对其消费行为的影响。研究发现,无房家庭和有房家庭的消费支出都受收入、实物资产和金融资产的影响;有房家庭的消费支出与我们对现实的认知和消费理论更符合;不论高收入还是低收入有房家庭消费都明显受其住房价值影响,对低收入家庭的影响更明显;风险资产变动对低收入家庭消费没有影响,无风险资产变动对高收入家庭消费没有影响,总体来看无风险金融资产对家庭消费的影响更大;养老保险和医疗保险等社保账户资金虽然不能当期使用,但却是中低收入家庭良好的预期保障,对当前消费有促进作用;居民金融资产配置最高的是无风险的通货和存款;家庭普遍现象是财产性收入少,财产性收入对消费的贡献小;中低收入的男性户主家庭消费低于女性户主家庭;高学历和婚姻状态正常的家庭消费更高。
[Abstract]:Based on CHFS data and quantile regression model, this paper studies the effects of asset stock and its structure on the consumption behavior of urban households in China. The impact of physical and financial assets; consumer spending by homeowners is more in line with our perception and consumption theory of reality; consumption by households with high and low incomes is clearly influenced by their housing value. The change of risk assets has no effect on the consumption of low-income households, and the change of risk-free assets has no effect on the consumption of high-income households, so the impact of risk-free financial assets on household consumption is greater. Pension insurance and medical insurance and other social security account funds can not be used in the current period, but it is a good expected protection for low- and middle-income families, which can promote current consumption, and the highest allocation of financial assets of residents is risk-free currency and deposits; The common phenomenon of households is that the property income is low and the contribution of property income to consumption is small; the consumption of middle and low income male headed households is lower than that of female headed households; the consumption of families with higher education and normal marital status is higher than that of female-headed households.
【作者单位】：东北财经大学管理科学与工程学院;
【基金】：国家社会科学基金重大项目“新常态下我国宏观经济监测和预测研究”(15ZDA011) 辽宁省教育厅优秀人才支持项目“我国居民消费选择行为的动态演变及原因:从微观数据到宏观表象”(WR2013010)
【分类号】：F126

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