我国城镇家庭资产的财富积累效应研究

发布时间：2018-01-17 00:28

本文关键词：我国城镇家庭资产的财富积累效应研究　出处：《暨南大学》2013年硕士论文　论文类型：学位论文

【摘要】：家庭资产的财富积累效应在国民财富的增加和分布中起着重要作用。本文运用结构分析法、理论和实证分析法，从财富净增加和财富再分配两个方面研究我国城镇家庭资产的财富积累效应。首先，本文对2007年和2012年我国城镇家庭资产进行结构分析，，发现房产占总资产份额最大并增长迅速，占金融资产最大份额的存款份额进一步扩大，而股票、基金的份额进一步缩小。接着，本文通过国际对比发现我国家庭资产的整体财富净增加效应仍较小。对于单项家庭资产而言，不论是从绝对量贡献还是相对量贡献角度，房产都是财富净增加效应最大的资产。虽然储蓄占总资产的份额远大于股票，但其财富净增加效应小于股票。然后，本文运用国民收入理论中的乘数论建立了家庭财产性收入乘数模型，并通过实证分析估计了不同收入水平家庭分组的财产性收入乘数。结果显示，城镇最高收入家庭的财产性收入乘数比中等收入和最低收入家庭分别大4.7和5.3个百分点，家庭资产的财富再分配效应推动了收入差距的扩大，同时加速了财富向高收入家庭集中，而对中等收入和低收入家庭之间收入差距扩大的推动并不明显。最后，本文从提高家庭金融资产积累效率促进财富快速增长、合理引导家庭资产的财富再分配效应降低贫富差距两方面提出了一系列政策建议。
[Abstract]:The wealth accumulation effect of household assets plays an important role in the increase and distribution of national wealth. This paper studies the wealth accumulation effect of urban household assets in China from two aspects: net increase of wealth and redistribution of wealth. First of all, this paper analyzes the structure of urban household assets in 2007 and 2012, and finds that real estate accounts for the largest share of total assets and rapid growth. The share of deposits, which account for the largest share of financial assets, is further expanded, while the share of stocks and funds shrinks further. Through international comparison, we find that the net increase effect of household assets in China is still relatively small. For individual household assets, whether from the perspective of absolute contribution or relative contribution. Real estate is the asset with the greatest net increase in wealth. While savings account for a much larger share of total assets than stocks, the net increase in wealth is smaller than equity. Then. Based on the multiplier theory of national income theory, this paper establishes a family property income multiplier model, and estimates the property income multiplier of households with different income levels by empirical analysis. The property income multiplier of the highest income families in cities and towns is 4.7 and 5.3 percentage points higher than that of the middle income and the lowest income families respectively. The wealth redistribution effect of household assets promotes the widening of the income gap. At the same time, it accelerated the concentration of wealth towards high income families, but the contribution to the widening income gap between middle and low income families was not obvious. Finally, this paper puts forward a series of policy suggestions from the aspects of improving the efficiency of household financial assets accumulation and promoting the rapid growth of wealth, and reasonably guiding the wealth redistribution effect of household assets to reduce the gap between the rich and the poor.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.5

【参考文献】