社会保障、社会信用水平与家庭金融财产结构的多元化  

Social Security, Social Credit Level and the Diversification of Family Financial Property Structure

作　　者：王三川 范从来[2,3] WANG Sanchuan;FAN Conglai(Shanghai Dianji University,Shanghai,201306;Nanjing University,Nanjing,210093)

机构地区：[1]上海电机学院商学院 [2]南京大学经济学院 [3]南京大学长江三角洲经济社会发展研究中心

出　　处：《中国经济问题》2021年第5期37-52,共16页China Economic Studies

基　　金：教育部人文社会科学重点研究基地重大项目(16JJD790024);安徽省自然科学基金青年项目(2008085QG344)的资助。

摘　　要：本文利用中国社会综合调查(CGSS)2012、2013和2015年的样本数据进行研究,发现社会保障和社会信用水平对家庭金融财产结构的多元化有显著的刺激作用,其效应存在衰减性,但到2015年依旧可观。城乡和区域间家庭金融财产结构的多元化水平差距仍较大,社会保障和社会信用水平的效应大小及显著水平有差异。相较于社会保障建设,社会信用体系建设的效应在农村和西部地区并不明显。现阶段需夯实社会信用体系建设基础,并着重推进社会保障建设,降低家庭预防性动机,并通过家庭金融财产结构的多元化增加家庭金融财产性收入,最终实现益贫式增长。Based on the sample data of Chinese General Social Survey(CGSS) in 2012, 2013 and 2015, this paper finds that the social security and the social credit level have a significant stimulation effect on the diversification level of family financial property structure, and the effect is attenuating, but still considerable by 2015. There is still a big gap between urban and rural areas and between regions in terms of the level of diversification of family financial property structure;the effect magtitudes and significant levels of social security and social credit level are different. Compared with the construction of social security, the effect of the building the social credit system in rural and western areas is not obvious. At the present stage, it is necessary to lay a solid foundation for the social credit system, focusing on promoting the construction of social security, and reducing the precautionary motive of family. By diversifying the structure of family financial property, it can increase the income of family financial property, and finally realize the poverty-benefiting growth.

关 键 词：金融财产性收入 社会保障 社会信用水平 差别化政策 益贫式增长 

分 类 号：F832.4[经济管理—金融学] F124.7