家庭借贷约束对“代际传承陷阱”的固化效应  

Analysis on the Solidification Effect of Household Borrowing on “Intergenerational Transmission Trap”

作　　者：李勇辉[1] 李小琴[1] 吴朝霞[1] Li Yonghui1;Li Xiaoqin2;Wu Zhaoxia3

机构地区：[1]湘潭大学商学院

出　　处：《财经科学》2018年第7期12-24,共13页Finance & Economics

基　　金：国家社科重大招标项目“我国收入分配体制改革动态跟踪和效果评估研究”(12ZD049);湖南省社科重点课题“国民收入再次分配效果、评估与政策研究”(13ZD032)

摘　　要：本文从收入分层和户籍分割的视角本文从收入分层和户籍分割的视角,以CFPS2014年数据为基础,探讨家庭借贷对代际收入传承的固化效应承的固化效应。研究分析表明：在收入分层和户籍分割造成的不平等环境中,家庭的借贷可得性表现出显著的差异显著的差异,正规借贷容易出现＂信贷倾斜＂,民间借贷容易出现＂信贷缺失＂,并且存在借贷约束的家庭相对于借贷家庭代际固化程度更高庭相对于借贷家庭代际固化程度更高,子代更易落入＂代际低收入传承陷阱＂。此外,对于农村中低收入家庭而言家庭而言,在家庭借贷对代际收入传承性影响中户籍分割效应大于收入分层效应,而高收入家庭则以收入分层效应为主导入分层效应为主导。In this paper, from the research perspectives of income stratification and household segmentation, based on CFPSCFPS2014 data, exploring the solidification utility of household borrowing on intergenerational income mobility. The research indicates that under the inequality environment caused by income stratification and household segmentation,household borrowing availability presents significant differences, formal finance often shows＂credit tilt＂, and inforinformal financial often shows＂credit absence＂, the solidification degree of borrowing constraint family is higher than borborrowed family, and easier to fall into the＂intergenerational income inheritance trap＂. Furthermore, for the mid and low income families, the household segmentation effect is greater than the income stratification effect, but for high income family is dominated by income stratification effect.

关 键 词：家庭借贷 代际收入流动性 户籍制度 

分 类 号：F830.5[经济管理—金融学]