中国家庭负债状况、结构及其影响因素分析被引量：62

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摘要本文首先分析了中国居民家庭负债的状况和结构,然后运用调查数据采用Probit模型和Tobit模型对影响中国家庭负债的因素进行了实证分析,得出以下主要结论:首先,家庭的人口统计学特征对中国家庭是否持有负债以及持有负债的程度存在影响;其次,房产的持有状况对中国家庭是否持有负债以及持有负债的程度的影响都非常显著;第三,金融资产持有状况对中国家庭负债程度有显著影响;第四,家庭的风险态度对中国家庭是否持有负债以及持有负债的程度都存在影响;第五,背景风险中的企业主风险对负债程度的影响是显著的;第六,家庭的消费预期对家庭负债与否也有影响。

作者何丽芬吴卫星徐芊

机构地区对外经济贸易大学应用金融研究中心

出处《华中师范大学学报（人文社会科学版）》 CSSCI 北大核心 2012年第1期59-68,共10页 Journal of Central China Normal University:Humanities and Social Sciences

基金国家自然科学基金项目"不确定环境下居民家庭投资组合模型和实证研究"(71073020) 北京市哲学社会科学规划项目"北京市居民家庭投资组合选择行为与相关金融分析"(10BaJG344) 教育部留学回国人员科研启动基金项目"不完备市场下居民家庭债务选择的模型和实证研究"(教外司留【2010】1561号)

关键词家庭负债家庭金融消费信贷债务

分类号 F126 [经济管理—世界经济] F224 [经济管理—国民经济]

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