地区差异、子女性别偏好与农村家庭金融行为——来自CGSS2013数据的证据  

Regional Differences,Gender Preference of Children and Financial Behavior of Rural Households: An Evidence from CGSS2013 Data

作　　者：谭燕芝[1] 李维扬[1] 

机构地区：[1]湘潭大学商学院&商业银行经营管理研究所,湖南湘潭411105

出　　处：《湘潭大学学报（哲学社会科学版）》2018年第1期79-85,共7页Journal of Xiangtan University:Philosophy And Social Sciences

基　　金：国家自然科学基金面上项目"金融排斥背景下信用环境与中国农村商业银行可持续发展研究--基于湖南省的实地调研数据"(项目编号:71273220);教育部人文社会科学一般项目"政府行为;信用环境与银行绩效--基于浏阳农村商业银行农户信用放款的实证研究"(项目编号:12YJA790121);湖南省研究生科研创新项目"精准脱贫的金融支持研究"(项目编号:CX2016B235)

摘　　要：农村家庭中子女性别偏好与地区差异成为家庭财务决策中的重要影响因素,社会习俗对家庭财务决策的影响超越了预算限制或消费冲击的影响,通过Probit模型对CGSS2013的8 596户农户数据进行了分析,采用IV-probit回避内生性问题,并通过模型比较和控制变量得出稳健性回归。结果表明,农村家庭金融行为表现出"重男轻女"特质,拥有男孩的家庭对未来金融投资活动表现活跃,这种关系导致农村家庭在不同地域的金融活动存在差异,拥有男孩的家庭中金融活动是否发生不存在地区差异,但存在活跃程度高低的差别。The gender preference and regional difference of children in rural families become the important factors influencing on family financial decision. The impact of social customs on family financial decisions surpasses the impact of budget constraints and consumption shocks. In this paper,the Probit model is used to analyze the data of 8,596 households in CGSS2013. The IV-Probit is used to avoid the endogenous problem. And the model comparison and variate control help us get robust regression. The results show that the rural household financial behavior is characterized by"prefer sons to daughters". The family with boys is active for the future financial investment behavior,and this relationship leads to differences in the financial activities of rural families in different regions,there is no regional difference in financial activities in the family with boys,but there is difference in degree of activity.

关 键 词：地区差异 子女性别偏好 农村金融 

分 类 号：F832.35[经济管理—金融学]