本文選題：家庭金融 + 家庭財富　； 參考：《東南學(xué)術(shù)》2017年05期

【摘要】：本文利用CHFS2015的家庭金融調(diào)查數(shù)據(jù),根據(jù)生命周期理論和中國的城鄉(xiāng)差別特征通過樣本分組等方法,比較研究了家庭財富水平和家庭財務(wù)困境的決定因素。研究表明:教育對家庭財富具有很強的解釋能力,不論是工作年齡家庭還是退休家庭,都是學(xué)歷越高,家庭凈資產(chǎn)越多。工作年齡家庭還表現(xiàn)出了"家庭財富年齡均化現(xiàn)象";是否自謀職業(yè)、住房狀況和家庭居住區(qū)域是對工作年齡家庭財富差異影響最顯著、影響強度最大的三項因素;家庭持久收入對家庭財富也具有很強的解釋能力。家庭財務(wù)是否陷入困境與健康水平、收入、學(xué)歷和是否自謀職業(yè)都顯著相關(guān),但與戶主年齡的關(guān)系不大。
[Abstract]:Based on CHFS2015's household finance survey data, this paper compares and studies the determinants of household wealth level and household financial distress according to life cycle theory and the characteristics of urban and rural differences in China through sample grouping. Research shows that education has a strong ability to explain family wealth, both working age and retired families, the higher the educational background, the more the net worth of the family. Working age families also showed the phenomenon of "family wealth age equalization", whether self-employment, housing status and family living area were the three most significant factors affecting the difference of working-age family wealth. The family lasting income also has the very strong explanation ability to the family wealth. Family finances were significantly correlated with health, income, education and self-employment, but had little to do with the age of the head of household.
【作者單位】： 集美大學(xué)財經(jīng)學(xué)院;
【基金】：國家社會科學(xué)基金項目“居民資產(chǎn)負債管理行為特征與影響機制研究”(項目編號:14BJY014)
【分類號】：F126;G521
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本文編號：1774350