户籍属性、住房拥有与家庭金融资产选择

发布时间：2018-02-22 18:58

本文关键词： 户籍属性住房拥有家庭金融风险资产　出处：《金融发展研究》2017年09期 　论文类型：期刊论文

【摘要】：本文采用2011年中国家庭金融调查数据(CHFS),分析了户籍属性与住房拥有对家庭金融资产选择的影响。研究表明:拥有本地户籍显著提高了家庭拥有住房率,并且对家庭参与风险资产市场的可能性和风险资产比重产生显著正向影响。这一结果在控制了家庭经济条件、人口学特征和投资风险态度等因素后仍然稳健。住房拥有对家庭风险资产市场参与、参与程度产生正效应,但是统计上不显著。进一步探讨户籍地位的城乡差异效应后发现,农业户籍地位会显著降低家庭风险资产的投资倾向。
[Abstract]:Based on the data of China Household Finance Survey in 2011, this paper analyzes the impact of household registration and housing ownership on the choice of household financial assets. And it has a significant positive impact on the possibility of household participation in the venture asset market and the proportion of risky assets. The demographic characteristics and investment risk attitude are still stable. Housing ownership has a positive effect on household risk asset market participation, but it is not statistically significant. After further study of the urban-rural difference effect of household registration status, it is found that housing ownership has a positive effect on household risk asset market. Agricultural household registration status will significantly reduce the investment tendency of household risk assets.
【作者单位】：广东外语外贸大学金融学院;
【基金】：教育部重大课题攻关项目“培育我国国际竞争新优势、建设贸易强国的战略路径研究”(项目编号:16JZD018) 广东外语外贸大学粤商研究中心粤商研究专项经费项目“全球价值链与广东产业转型研究”(项目编号:218-61020012);广东外语外贸大学研究生科研创新项目“城市房价与金融发展对产业结构升级影响的实证研究”(项目编号:17GWCXXM-18) 广东大学生科技创新培育专项基金项目“地区金融发展与产业结构高级化、合理化”(项目编号:PDJH2017B0185)
【分类号】：C913.11;F126;F299.23;F832.2

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