期刊文献+

中国家庭资产状况及住房需求分析 被引量:111

Assets and Residential Demand of Chinese Households
分享 导出
摘要 在我国,由于微观家庭数据的缺乏,我们对中国家庭资产缺乏了解。2011年,中国家庭金融调查与研究中心对随机抽取的位于25个省、80个县、320个社区的8438户家庭进行访问,获得了中国首个关于家庭金融的微观调查数据,填补了此领域的数据空白。根据此数据,在调查时点中国家庭总资产均值为121.7万元,中位数为20.3万元。城市家庭总资产均值为247.6万元,中位数为40.5万元。同时,中国家庭资产的分布严重不均衡,仅14.30%的城市家庭与21.3%的农村家庭资产超过相应的均值。中部、西部地区家庭户均资产仅为东部地区家庭的14.2%和12.1%。房产作为家庭资产的重要组成部分,从长远来看,房价下跌是难以避免的。根据数据推算,现有城镇家庭住房的刚性需求为6459万套,城镇地区的房屋供给约为4046万套,缺口为2413万套。以目前的产能,不到两年时间就能满足现有家庭的刚性需求。就长期而言,房地产行业主要满足新增的住房需求。每年新增需求约为579万套,也只是现在房地产产能的1/3。 Due to lack of household level data, very little was known about households assets in China. In 2011, Survey and Research Center for China Household Finance (CHFS) conducted a nationally representative household survey. The completed 8438 sample households are located in 320 communities in 80 counties, both rural and urban, covering 25 provinces. According to the survey, average assets of Chinese households are 1. 217 million yuan while the median assets are only 203,000 yuan at the time of the survey. For urban regis- tered residents, the average assets are 2. 476 million yuan and the median assets are 405,000yuan. Only 14. 3% of the urban households and 21.34% of the rural households have their assets to be higher than the cor- responding averages. The average household assets in Central, Western China are only 14. 2% , 12. 1% of that in Eastern China. Housing is a very important component of household assets. It is likely that the price of hous- ing will fall in the long run. According to the data, the residential demand for housing of the current urban households is 70. 83 million units. Compared to a current supply of 40.46 million units, there are another 30. 37 million unites needed. This residential demand will be met for less than 2 years given the current build- ing capacity. Over the long term, the real estate industry is mainly to meet the incremental residential demand of about 5.79 million units annually, which is only 1/3 of the building capacity.
作者 甘犁 尹志超 贾男 徐舒 马双 GAN Li YIN Zhichao JIA Nan XU Shu MA Shuang
出处 《金融研究》 CSSCI 北大核心 2013年第4期1-14,共14页 Journal of Financial Research
基金 本文受“中央高校基本科研业务费专项资金资助”(JBK120507).2010年,西南财经大学与中国人民银行金融研究所合作成立了中国家庭金融调查与研究中心,开展中国家庭金融调查(CHFS).
关键词 家庭金融 资产 房产 Household finance, Assets, Real estate
作者简介 甘犁,经济学博士,西南财经大学,Email:gan@ecomail.tamu.edu. 尹志超,经济学博士,西南财经大学金融学院教授,Email:yzc@swufe.edu.cn. 贾男,经济学博士,西南财经大学经济学院副教授,Email:jianancandy@swufe.edu.cn, 徐舒,经济学博士,西南财经大学经济学院副教授,Email:xushu@swufe.edu.cn. 马双,经济学博士,西南财经大学经济学院讲师,Email:shuangma@swufe.edu.cn.
  • 相关文献

参考文献24

  • 1Bodie, Zvi, Merton, and Samuelson, 1992,Labor supply flexibility and portfolio choice in a life cycle model, Journal of Economic Dynamics and Control,16:427 -449. 被引量:1
  • 2Barber, B. , Lee, Y. , and Liu, Y. , Odean, T. , 2009, Just How Much Do Individual Investors Lose from Trade? ,Review of Financial Studies, Vok 22, 2,609 - 632. 被引量:1
  • 3Blow, L. , Nesheim, L. , 2010, Dynamic housing expenditure and household welfare, CEMMAP working paper. 被引量:1
  • 4Campbell, John Y. , 2006, Household Finance, Journal of Finance,61:1553 - 1604. 被引量:1
  • 5Chetty, tL , Szeidl, M. , 2012, "The effect of Housing on Portfolio Choice", Harvard University Working Paper. 被引量:1
  • 6Douglas, David, and Rosen, 1994a, Entrepreneurial Decisions and Liquidity Constraints, The RAND Journal of Economics, 25:334 - 347. 被引量:1
  • 7I Evans, Jovanovie, 1989, An Estimated Model of Entrepreneurial Choice under Liquidity Constraints, Journal of Political E-eonomy, 97:808 -827. 被引量:1
  • 8Evans and Linda S. Leighton, 1989. Some Empirical Aspects of Entrepreneurship, The American Economic Review,79:519 - 535. 被引量:1
  • 9Eeckhoudt, Louis, Christian Gollier, and H. Sehlesinger. , 1996, Changes in background risk and risk taking behavior, Econometrica, 64:683 - 689. 被引量:1
  • 10Etheridge, B. , 2011, "Increasing Inequality and Improving Insurance House Price Booms and the Welfare State in the UK", Working Paper. 被引量:1

引证文献111

二级引证文献392

相关作者

内容加载中请稍等...

相关机构

内容加载中请稍等...

相关主题

内容加载中请稍等...

浏览历史

内容加载中请稍等...
;
使用帮助 返回顶部 意见反馈