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中国家庭资产状况、变动趋势及其影响因素 被引量:19

Influencing Factors for the Asset Distribution and Changing Trend of Chinese Households
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摘要 利用中国家庭金融调查2013年和2015年的社区匹配数据,本文研究分析了中国家庭资产状况、变动趋势及其影响因素。数据表明中国家庭资产增长明显,2015年家庭资产均值和中位数分别为87.6万元和33.1万元,较2013年分别增长8.5%和23.9%。家庭资产均值和中位数之间的差异表明了资产分布的极度不均,但这一现象在2015年有所缓解,并且家庭资产有向中等资产家庭聚集的趋势。资产分布不均还表现为城乡、区域不均。本文还讨论了家庭资产的结构,发现住房资产是中国家庭资产的主要构成部分,两年来出现了较大的增长,尤其是在一、二线城市的家庭,但住房资产的投资吸引力正在减弱。此外,金融资产出现了较大幅度的增长,这更多体现在投资性风险金融资产上,并且理财产品也越发受到青昧。家庭工商业资产下降幅度较大,但同时有更多的家庭开始了工商业经营,其中网络经营占比在上升。最后,本文还从户主个体特征、家庭特征以及区域特征等角度分析讨论了影响中国家庭资产积累和增长的决定因素,得到了一些有益的结果。 Using community matching data from the financial surveys on Chinese household in 2013 and 2015, the present paper studies Chinese household's asset condition, changing trend and influencing factors. The data shows that Chinese household's asset increased obviously. The mean and median of household 's asset are 876,000 Yuan and 331,000 Yuan in 2015, which have increased 8.5% and 23.9% respectively compared to those in 2013. The disparity between mean and median shows huge inequality of asset distribution. But this phenomenon has some ease in 2015, and household asset has some tendency towards to medium asset level. Asset distribution inequality is displayed in difference between rural and urban area, and disparity across regions.The paper also discusses the structure of household asset, and finds that housing asset is the main constitute of Chinese household assets, which has achieved rapid growth in the past two year, especially in first-tier and second-tier cities. Nevertheless the attractiveness of housing asset investment is weakening. In addition, there is also big growth in financial asset, featuring investment in risky financial assets, and there is also increasing popularity of wealth investment products. Family commercial business has relatively big decrease, however, in the meantime there are also more family starting commercial business, with an increase in E-commerce. Lastly, this paper also discusses influencing factors of Chinese household's asset accumulation and increase, including owner character, household character, region character. Some meaningful results are obtained.- 187-
出处 《管理世界》 CSSCI 北大核心 2016年第2期45-56,共12页 Management World
基金 本文为西南财经大学中国家庭金融调查与研究中心“中国家庭资产报告(2016)”.
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