居民特性与家庭财富持有意愿研究——来自西部地区699户家庭的回答

发布时间：2018-02-01 21:20

本文关键词： 居民财富需求意愿 Multinomial Logistic模型　出处：《社会科学辑刊》2017年03期 　论文类型：期刊论文

【摘要】：家庭财富持有结构及意愿是增加居民收入和缩小收入差距的关键所在,其受多种因素共同影响,其中,居民特性的影响作用更为直接。居民财富持有呈多元化,财富持有意愿由强到弱依次为:房产资产、土地资产、金融资产、生产经营性资产、耐用品资产和借贷净资产,并受自身特征、家庭经济特征和家庭社会特征的影响。与意愿持有土地资产相比,单身的户主更愿意持有房产,年轻的户主更青睐于持有较多的金融资产,受教育程度较高者倾向于持有耐用品资产,工资性收入占总收入40%—60%的家庭倾向于持有金融资产、房产资产和生产经营性资产,转移性收入占总收入40%以下的家庭倾向于持有房产资产、耐用品资产、生产经营资产以及借贷资产。
[Abstract]:The structure and willingness of household wealth holding is the key to increase income and narrow income gap, which is influenced by many factors, among which, the influence of residents' characteristics is more direct, and wealth holding is diversified. Property assets, land assets, financial assets, productive and operating assets, durable goods assets and net borrowing assets are the order of wealth holding willingness. Compared with the willingness to own land assets, single heads of household are more willing to hold real estate, and younger heads of households prefer to hold more financial assets. Those with higher education tend to hold durable goods assets, and households with 40% to 60% of total income tend to hold financial assets, real estate assets and productive and operating assets. Households with transfer income below 40% tend to hold real estate, durable goods, productive and borrowing assets.
【作者单位】：北方工业大学经济管理学院;
【基金】：国家社会科学基金项目(12BJY032) 中国社会科学院创新工程项目(I—PLE1406) 北方工业大学科研启动基金资助项目
【分类号】：F124.7
【正文快照】： 一、引言改革开放以来,我国经历了从几乎没有个人财产到财产迅速积累的过程。居民家庭财富(1)在质和量的方面都有所提高,家庭财富已不再局限于房产、金融、土地,还包括耐用品、生产性经营资产和借贷净资产。财产分布成为收入分配领域中另一个备受学术界乃至社会各界关注的焦点

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