家庭财富、教育及财富的年龄均化——基于CHFS的家庭净资产决定因素研究

发布时间：2018-04-19 19:10

  本文选题：家庭金融 + 家庭财富　； 参考：《东南学术》2017年05期

【摘要】：本文利用CHFS2015的家庭金融调查数据,根据生命周期理论和中国的城乡差别特征通过样本分组等方法,比较研究了家庭财富水平和家庭财务困境的决定因素。研究表明:教育对家庭财富具有很强的解释能力,不论是工作年龄家庭还是退休家庭,都是学历越高,家庭净资产越多。工作年龄家庭还表现出了"家庭财富年龄均化现象";是否自谋职业、住房状况和家庭居住区域是对工作年龄家庭财富差异影响最显著、影响强度最大的三项因素;家庭持久收入对家庭财富也具有很强的解释能力。家庭财务是否陷入困境与健康水平、收入、学历和是否自谋职业都显著相关,但与户主年龄的关系不大。
[Abstract]:Based on CHFS2015's household finance survey data, this paper compares and studies the determinants of household wealth level and household financial distress according to life cycle theory and the characteristics of urban and rural differences in China through sample grouping. Research shows that education has a strong ability to explain family wealth, both working age and retired families, the higher the educational background, the more the net worth of the family. Working age families also showed the phenomenon of "family wealth age equalization", whether self-employment, housing status and family living area were the three most significant factors affecting the difference of working-age family wealth. The family lasting income also has the very strong explanation ability to the family wealth. Family finances were significantly correlated with health, income, education and self-employment, but had little to do with the age of the head of household.
【作者单位】： 集美大学财经学院;
【基金】：国家社会科学基金项目“居民资产负债管理行为特征与影响机制研究”(项目编号:14BJY014)
【分类号】：F126;G521
，

本文编号：1774350