老年人与房产:中国文化情境的老年家庭资产配置研究  

The Elderly and Real Estate:A Study on Household Assets Allocation of the Elderly Household Based on Chinese Culture

作　　者：朱涛[1] 谢婷婷[1] 卢建[1] 

机构地区：[1]东南大学经济管理学院,江苏南京211189

出　　处：《现代财经（天津财经大学学报）》2014年第8期14-25,共12页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：江苏省教育科学"十二五"规划2013年度课题(D/2013/01/036)

摘　　要：本文采用中国健康与养老追踪调查数据(CHARLS),结合中国传统的养老文化,运用结构方程模型研究了影响老年家庭房产与风险资产配置的主要因素,并重点探讨了老年家庭资产配置中房产的资产性质。研究发现:家庭的基本特征、体现出传统养老文化的家庭性保障、社会性保障、社会互动和健康风险是影响老年家庭资产配置的重要因素,房产对于老年家庭更具有无风险资产性质。这对于加强社会性养老保障体系的建设、试点推进"以房养老"、开发针对中国老年家庭的理财产品,转变传统的养老方式具有重要的意义。We use CHARLS data to analyze the factors that influence the allocation of real estate and risk assets of elderly family considering traditional Chinese pension culture by estimating structural equation model.Furthermore,focusing on the nature of the real estate in the asset allocation of elderly family,we find that elderly family characteristics,family security based on traditional Chinese pension culture,social security,social interaction and health risks are critical factors that influence assets allocation of elderly family.The nature of real estate for elderly family is risk-free asset.Our research has an important significance for the construction of old-age social security system,acquiring pension by real estate,developing financial products for Chinese elderly household,and changing the traditional way of pension.

关 键 词：老年家庭 房产 风险资产 中国传统文化 社会保障 

分 类 号：F293.33[经济管理—国民经济]