家庭金融消费支出的资产效应研究——基于江苏省高端家庭微观调查数据

发布时间：2018-03-06 13:50

本文选题：家庭金融　切入点：消费支出　出处：《上海经济研究》2017年11期 　论文类型：期刊论文

【摘要】：该文定位于江苏省某商业银行高端客户家庭,基于家庭微观问卷调查数据,构建计量模型,探究此类群体的家庭金融消费支出的资产效应。研究表明:(1)无论是金融资产还是实物资产都能促进家庭消费支出,并且对于商业银行高端客户,金融资产的资产效应强于实物资产的资产效应;(2)将实物资产细分为房屋资产和其他实物资产,房屋资产对家庭消费支出存在显著的影响,家庭其他实物资产的价值对家庭消费支出影响有限;(3)将金融资产分为风险资产和无风险资产,无风险资产对家庭消费支出的影响高于风险资产的影响。研究贡献在于对商业银行高端客户家庭这一特殊群体的家庭消费的资产效应进行了专门性研究,使用工具变量解决模型中的内生性问题,丰富了高收入家庭消费支出资产效应的研究,对提升高收入家庭消费水平具有指导意义。
[Abstract]:This paper is located in Jiangsu Province, a commercial bank in the high-end customer family, family micro survey data based on the econometric model, the effect of assets inquiry of such groups of family financial expenditure. The research showed that: (1) both the financial assets or assets can promote household consumption expenditure, and the commercial bank for high-end customers, the effect of assets the effect of assets of financial assets in real assets; (2) physical assets will be subdivided into housing assets and other assets, housing assets have significant influence on household consumption expenditure, the influence of family and other physical assets value of household consumption expenditure is limited; (3) financial assets will be divided into risky assets and risk-free assets no effect, risk assets on household consumption expenditure is higher than the risk assets. The research contributions of this special group of high-end customers domestic commercial banks The asset effect of consumption has been studied in a specific way. The instrumental variables are used to solve the endogeneity problem in the model, which enriches the research on the asset effect of the consumption expenditure of the high-income families, and has a guiding significance for improving the consumption level of the high-income families.

【作者单位】：南京大学工程管理学院;南京财经大学中国区域金融研究中心;
【基金】：国家自然科学基金研究项目(项目编号:71771116,71171109,71203144) 江苏省自然基金面上项目(项目编号:BK20161398) 江苏省金融工程重点实验室课题(项目编号:NSK2015-09) 中央高校基本科研业务费专项资金资助(项目编号:011814380027)资助
【分类号】：F126.1

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