不同消费信贷形式影响城镇家庭消费的比较分析

发布时间：2018-01-03 00:25

本文关键词：不同消费信贷形式影响城镇家庭消费的比较分析　出处：《财经科学》2017年10期 　论文类型：期刊论文

【摘要】：本文基于中国家庭金融调查(CHFS)2013年调查数据,实证比较分析了不同消费信贷形式对城镇家庭消费行为的影响。研究发现,消费信贷对城镇家庭消费水平有显著的影响,但不同消费信贷形式的作用效果存在差异。拥有消费贷款或者信用卡的家庭消费水平都会更高,而拥有消费借款的家庭消费总量会更低。消费信贷对城镇家庭消费构成也有着不同程度的影响。各类消费信贷对家庭温饱类消费占比的影响都显著为负,而对居住类和文教类消费占比的影响大都为正。本文对于进一步发展不同消费信贷形式有着重要的政策启示意义。
[Abstract]:Based on the data of China Household Finance Survey (CHFS) in 2013, this paper empirically compares and analyzes the effects of different forms of consumer credit on the consumer behavior of urban households. Consumer credit has a significant impact on the level of consumption in urban households, but the effects of different forms of consumer credit are different. Households with consumer loans or credit cards will have a higher level of consumption. And the total consumption of households with consumer loans will be lower. Consumer credit also has varying degrees of impact on the composition of urban household consumption. All kinds of consumer credit have a negative impact on the proportion of household consumption of food and clothing. The influence on the proportion of residential and cultural consumption is mostly positive. This paper has important policy implications for the further development of different forms of consumer credit.
【作者单位】：西南财经大学金融学院;河北水利电力学院经济贸易系;
【基金】：教育部人文社会科学研究项目“在倍增计划下构建扩大居民消费需求长效机制的财政金融对策研究”(13YJA790094)的阶段性成果
【分类号】：F126.1;F832.4
【正文快照】： 一一、引言传统的中国人是不倾向借钱消费的传统的中国人是不倾向借钱消费的。从“房奴”、“卡奴”的称谓中可以品味出负债消费的凄苦的凄苦。但是随着现代经济的发展、金融服务市场的革新,现代家庭的消费观念不断开放。现代家庭在面临购房现代家庭在面临购房、购车等大额消

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