城市家庭的经济条件与储蓄行为——来自全国24个城市的消费金融调查

发布时间：2018-01-01 11:11

本文关键词：城市家庭的经济条件与储蓄行为——来自全国24个城市的消费金融调查　出处：《经济研究》2012年S1期 　论文类型：期刊论文

【摘要】：2011年清华大学中国金融中心在全国范围内开展了第三次消费金融调研工作。本文就城市居民家庭经济条件和储蓄行为、家庭拥有住房和养老金账户状况,择要介绍了调研所获得的一些成果。调查表明:家庭储蓄的动机主要为应对突发事件和医疗支出、子女教育和养老,家庭储蓄多少和储蓄的稳定性显著地受到家庭经济条件的影响。低收入家庭的储蓄较少,养老金账户的额度和拥有率都很低,没有住房且缺少金融知识。这使得这部分家庭容易受不利因素影响而陷入经济困境。如何向低收入家庭提供金融教育和服务,改善他们的经济和金融条件,恐怕是今后需要着力解决的问题之一。
[Abstract]:In 2011, Tsinghua University China Financial Center carried out the third study on consumer finance nationwide. This paper deals with the household economic conditions and savings behavior of urban residents, the status of household housing and pension accounts. The survey shows that the motivation of household savings is mainly to deal with emergencies and medical expenses, children's education and old-age care. The amount of household savings and the stability of savings are significantly affected by the household economic conditions. Low-income households have less savings, and the amount and ownership of pension accounts are very low. Lack of housing and lack of financial literacy. This makes this part of the family vulnerable to adverse factors and leads to economic hardship. How to provide financial education and services to low-income families and improve their economic and financial conditions. I'm afraid it is one of the problems that needs to be solved in the future.
【作者单位】：北京第二外国语学院旅游管理学院国际会计与财务研究中心;
【基金】：国家自然科学基金重点项目“中国城市居民家庭/消费者金融研究”(71232003)支持
【分类号】：F299.2;F832.33;F224
【正文快照】： 从2011年6月到2011年9月,清华大学中国金融中心在全国范围内开展了面向城市家庭的第三次调研工作,旨在获取城市家庭金融的最基本信息,并对调研工作持续加以改进。此次调查仍采用二阶分层抽样。抽样的第一阶段是先抽取城市,我们沿用了第二次调查抽样时选中的城市①。目的是为

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