中国家庭风险资产持有的影响因素及城乡差异

发布时间：2018-04-19 06:16

本文选题：家庭金融 + 城乡居民　；参考：《财贸经济》2014年09期

【摘要】：当前中国正处于经济转型的关键时期,经济发展不平衡和城乡收入差距大的矛盾非常突出,金融发展的城乡二元差异特征亦很明显,表现为城乡金融发展水平、金融市场提供的产品、居民持有风险资产的比例等都存在较大差异。本文基于2011年中国家庭金融研究调查的7331个家庭样本,对城乡居民风险资产持有行为及其影响因素进行了实证研究,结果显示,信贷需求、风险偏好、收入、社会保障、家庭规模、年龄等因素显著影响着居民风险资产持有比例。同时,城市家庭和农村家庭风险资产持有情况存在着显著的差异。最终本文对政府和金融机构提出了相应的合理化对策与建议。
[Abstract]:At present, China is in the critical period of economic transformation. The contradiction between the imbalance of economic development and the large income gap between urban and rural areas is very prominent. The characteristics of the urban-rural dual differences in financial development are also obvious, which are manifested in the level of urban-rural financial development.The financial market provides the product, the resident holds the risk asset the proportion and so on has the big difference.Based on the 7331 household samples from the 2011 Chinese Household Finance Research Survey, this paper conducts an empirical study on the risky asset holding behavior of urban and rural residents and its influencing factors. The results show that credit demand, risk preference, income, social security, and so on.Family size, age and other factors significantly affect the proportion of risky assets held by residents.At the same time, there are significant differences between urban households and rural households in risk asset holdings.Finally, this article puts forward the corresponding rationalization countermeasure and suggestion to the government and the financial institution.
【作者单位】：南京审计学院金融学院;美国康奈尔大学应用经济与管理学院;
【基金】：2012年度教育部人文社会科学研究规划基金“企业家精神视角下的县域农民创业金融支持体系研究”(12YJA790093) 2011年度江苏省社科基金项目“江苏科技金融功能的建设问题研究”(11EYB013) 江苏高校人文社会科学校外研究基地“江苏科技金融体系创新”(08)的研究成果
【分类号】：F126

【参考文献】