家庭风险金融资产选择城乡差异与因素分析  

Ditference and Factor Analysis of Risk Finance Assets in Urban and Rural Households

作　　者：何维 HE Wei(School of Economics and Management,Chongqing JiaoTong University,Chongqing 400074,China)

机构地区：[1]重庆交通大学经济与管理学院,重庆400074

出　　处：《经济论坛》2023年第3期58-72,共15页Economic Forum

基　　金：国家社科基金重点项目“建立解决相对贫困的制度体系与长效机制研究”(20AZD080);重庆市教委人文社会科学项目“家庭金融缓解多维相对贫困的长效机制与路径研究”(22SKGH170)。

摘　　要：金融资产已成为城乡家庭重要的资产构成,文章利用CHFS数据,基于Probit和Tobit模型考查城乡家庭风险金融资产参与可能和深度的差异。研究发现:在控制了其他主要变量后,家庭风险金融资产参与可能和深度均存在显著的城乡差异,表现为城镇家庭风险金融资产参与可能比农村家庭高7.16%,参与深度高33.56%。高收入样本和东中西部地区样本的检验结果表明,仅仅是家庭收入提高和地区经济增长,风险金融资产选择的城乡差异反而有扩大的迹象。Financial assets have become an important asset component of urban and rural households. Using CHFS data and based on the Probit and Tobit models, this paper examines the differences of the possibility and depth of the risky financial asset participation of urban-rural households. The results show that there are significant urban-rural differences in the possibility and depth of risky financial asset participation of households after controlling other major variables, and the possibility of risky financial asset participation of urban households are 7.16%higher than that of rural households, and the depth 33.56% higher. The sample test results in high income and eastern/middle/western regions show that the urban-rural differences in the choice of risky financial assets have instead widened with household income increase and regional economic growth alone.

关 键 词：风险金融资产 家庭金融 城乡比较 财产性收入 

分 类 号：F832.48[经济管理—金融学]